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High Yield

Rize™ Checking

7.50% APY

Earn more on your everyday checking balance. No hidden fees, no complicated requirements.

Calculate Earnings

Rates effective March 1, 2026. Subject to change.

How Your APY Works

Reverse-Tiered Interest

Unlike traditional tiered accounts, we reward your first $10,000 with our highest rate.

$0 - $10,000 7.50% APY
Over $10,000 0.05% APY

Example Calculation

Balance: $15,000

  • First $10,000 earns 7.50% APY = $62.50/month
  • Remaining $5,000 earns 0.05% APY = $0.21/month
  • Total monthly dividend: $62.71

Qualification Requirements

To earn the high APY, simply meet these easy requirements each statement cycle:

1

5 Debit Purchases

Make at least 5 debit card purchase transactions that post to your account during the statement cycle.

ATM withdrawals do not count
2

eStatements

Enroll and maintain electronic statements to avoid paper statement fees and qualify for high APY.

Eco-friendly & secure
3

Open Online

Rize™ Checking must be opened online. Limited to one checking account per Social Security number.

Consumer accounts only

If Requirements Aren't Met

If you don't meet the monthly requirements, your account will still function normally with:

  • 0.05% APY on entire balance
  • No monthly service fee (with eStatements)
  • Full access to all checking features

Account Features

✓ No monthly maintenance fees with eStatements
✓ Free Visa® debit card
✓ Free online banking & mobile app
✓ Mobile check deposit
✓ Free bill pay
✓ Overdraft protection options
✓ Access to 30,000+ surcharge-free ATMs
✓ Early direct deposit (up to 2 days early)

Calculate Your Earnings

$
Monthly Earnings: $62.50
Annual Earnings: $750.00
Based on 7.50% APY on first $10,000

Start Earning 7.50% APY Today

Open your Rize™ Checking account online in minutes.

Membership required. Federally insured by NCUA.