The checking account that acts like a savings account!
ON BALANCES UP TO AND INCLUDING $15,000 WHEN QUALIFICATIONS ARE MET
5Pointcu.org | 1.800.825.8829 | 13341 FM 1488 | Magnolia, Texas 77354 * Qualification Information: To earn your rewards, the following enrollments must be in place, and all transactions and activities must post and settle to your High-Yield Checking (hereafter referred to as HY Checking) account during each Monthly Qualification Cycle (hereafter referred to as MQC). At least 1 direct deposit or ACH credit or debit transaction, at least 15 PIN-based or signature-based debit card purchases, and be enrolled in and have agreed to receive eStatements rather than paper statements. Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the MQC to qualify for the account’s rewards. MQC means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific MQC dates. Reward Information: When your HY Checking account qualifications are met during a MQC, daily balances up to and including $15,000 in your HY Checking account earn a dividend rate of 5.83% resulting in an APY of 6%; and daily balances over $15,000 earn a dividend rate of 0.05% on the portion of the daily balance over $15,000, resulting in a range from 6% to 1.22% APY depending on the account’s daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your HY Checking account during the MQC in which you qualified. NOTE: ATM fee reimbursements only apply to HY Checking transactions via ATM; High-Yield Savings ATM transaction fees are not reimbursed or refunded. When your HY Checking qualifications are not met, the dividend rate on the account’s entire daily balance will be 0.05%, resulting in an annual percentage yield of 0.05%. ATM withdrawal fees are not refunded. Dividends will be credited to your HY Checking account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/03/2025. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a team member for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Federally insured by NCUA.
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