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Earn 10x the national average³ and maintain access to your funds - it's easy.
DCU’s Free Checking with the Earn More feature enables you to earn interest while maintaining access to your funds. Earn More is an interest earning sweep feature that can be activated on your DCU Free Checking or Dividend Checking Account. The Earn More feature enables you to earn interest on your checking account on balances up to and including $100,000.00² – that’s 10x the national average³. Eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country.
Please refer to DCU's Earn More feature Terms and Conditions for additional information.
Maximize your earnings with a simple transfer in online or mobile banking from lower-rate accounts, such as Ltd or Money Market Savings, to your DCU Free Checking account. The more funds in your account, the more you’ll earn on balances up to and including $100,000².
Earn 10x³ the national average with Earn More activated!
Minimum Daily Balance to earn Minimum Daily Balance to earn | Interest Rate² Interest Rate² | APY¹ APY¹ |
---|---|---|
Up to and including the first $100,000 | 0.50% | 0.50% |
$100,000.01 and above | 0.00% | 0.50% - 0.05% |
Minimum Daily Balance to earn Minimum Daily Balance to earn | Interest Rate² Interest Rate² | APY¹ APY¹ |
---|---|---|
Up to and including the first $100,000 | 0.50% | 0.50% |
$100,000.01 and above | 0.00% | 0.50% - 0.05% |
¹APY = Annual Percentage Yield. Rates are variable and may change from time to time after the Earn More feature is added to an account. APY range assumes a maximum account balance of $1,000,000.00 and is for illustration purposes only. Funds earn interest from the first of the month in which feature is activated. Feature becomes activated the first of the month following the month enrollment took place. The Earn More feature can only be added to one checking account per membership, excluding HSA Checking accounts. Fees or other conditions may reduce earnings. Rate is accurate as of April 1, 2020.
Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures regarding your Free Checking account or to DCU's Earn More feature Terms and Conditions for additional terms and conditions on the Earn More feature.
²Since Earn More is a sweep feature, eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country. You will still have access to your checking account funds.
3The national average APY is accurate as of November 30, 2020, as published in the FDIC’s Weekly National Rates and Rate Caps; average used is for deposits under $100,000.
RECEIVING FINANCIAL INSTITUTIONS |
ALLOCATION |
---|---|
Columbia Bank, Tacoma, WA |
50% |
E*Trade Bank, Arlington, VA |
50% |
To activate the Earn More feature:
Your Earn More feature will remain in a pending state until the first business day of the following month, at which point the feature will become active.