Truity Credit Union

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High Yield Checking

Our High Yield checking account offers high rates, so your money is working for you in all aspects of your account. With no balance requirements to open, you can start this account and watch it grow. Earn premium dividends by using your debit card and setting up direct deposit. Start maximizing your earnings today.

To earn a higher interest rate on balances of $5,000 or less, you need to meet two simple requirements each month:

  • Have at least $1,000 in direct deposits
  • Make at least 20 debit card purchase transactions
Rest assured, even if you don't meet these requirements, you'll always earn the standard interest rate and incur no fees. Plus, enjoy these other great features:

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Type/Term APY Dividend Rate
High Yield Checking $0-$5,00028 5.00% 4.88%
High Yield Checking $5,000+ 0.10% 0.10%
See Other Rates

High Yield Checking

5.00% APY28

on balances of $5,000 or less

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Existing Member?

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Dividend Earnings
Get Paid Early with early direct deposit26

 800.897.6991

Disclosures
18. Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account or an established line of credit will take only the amount needed to cover the transaction without any additional fee.
19. Courtesy Pay is a non-contractual courtesy and is discretionary. See the full disclosure here. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Not available for Fresh Start accounts.
23. To meet the transaction requirement, use your Truity debit card wherever Visa is accepted, including online purchases or payments. ATM transactions will not apply. You can also add your card to your digital wallet on mobile.
See Rate and Fee Schedule.
26. Truity Credit Union may make incoming electronic deposits available for use up to two banking days before the scheduled deposit date. Weekends and federal holidays are not banking days. Early availability of deposits depends on when the notification of the deposit is received by Truity. This notification can vary and is under the control of the payer of the deposit – not Truity Credit Union. Early deposit is not a contractual obligation and does not guarantee future early deposits.
27. Truity Credit Union Members are eligible for the Greenlight SELECT plan at no cost when they connect their Truity account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. See terms for details. Offer subject to chance or renewal.
28. Annual Percentage Yield (APY). 5.00% APY is paid on balances up to $5,000; .10% APY is paid on balances over $5,000 for a blended overall rate; rates effective 5/1/24 and subject to change. The following account qualifications must be met to earn the qualifying APY: (1) Twenty (20) debit card transactions must clear the account, and (2) a total of $1000 in direct deposit into this checking account by the end of the month. If both are not met, .10% APY will be paid on the balances. One High Yield Checking per account.
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