¹Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. If your account meets the criteria, you will earn 4.00% Annual Percentage Yield (APY) on balances up to $20,000 and 0.20% APY on balances of $20,000.01 and higher. Balances on accounts that fail to meet the account requirements for a given month will earn 0.05% APY. The rate may change after account opening. No minimum balance requirements. No minimum to open account. No monthly maintenance fees or penalties. Fees may reduce earnings on accounts. High Yield Checking is limited to one per member (per membership). To earn the higher rate, you must: (1) opt out of paper statements from APGFCU, (2) have an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account, and (3) complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU^® Visa^® Debit Card linked to the High Yield Checking Account. A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Membership eligibility applies.

*Offer is for new and existing members age 13 and older without a checking account only. Account owner may not have closed a checking account with APGFCU at any time on or after October 1, 2023, to qualify for this promotion. New High Yield Checking, Member Protect Checking, and Standard Checking accounts opened on or after October 1, 2024, and on or before December 31, 2024, may qualify for a $300 cash bonus if the account meets the following qualification: within 90 days of opening the checking account (“Qualification Period”), receive into the checking account qualifying, recurring Direct Deposits** of at least $500 per month, and maintain such qualifying, recurring Direct Deposits throughout the Qualification Period.

Offer cannot be combined with any other offers and does not apply to second or multiple checking accounts. If you meet all the terms of this offer, the bonus will be credited to your checking account on the first business day following the end of the 90-day Qualification Period. Limit one bonus per member. Fees may apply for early closure of the checking account. Offer may be extended, modified, or discontinued at any time without prior notice at the credit union’s discretion. Any applicable taxes are the responsibility of the recipient. The checking account must remain open for a minimum of 90 days and all accounts associated with the membership must be in good standing (see “All About Your Accounts” agreement) to receive the bonus. Offer expires December 31, 2024.

^**Qualifying Direct Deposit is a recurring electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM.