Joy in Bay City

Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Rewards Checking account during each Monthly Qualification Cycle:

• At least 1 direct deposit/ACH Credit, ACH payment, or bill pay transaction(s)
• At least 15 debit card purchases, each $5.00 or more
• Be enrolled in and have agreed to receive e-statements 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 Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" 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.
Visit mfcu.net or your nearest Members First Credit Union branch for specific Monthly Qualification Cycle dates.
 

Reward Information:
When your Rewards Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Rewards Checking account earn a dividend rate of 5.84% resulting in an APY of 6.00%; and daily balances over $15,000.00 earn a dividend rate of 0.50% on the portion of the daily balance over $15,000.00, resulting in a range from 6.00% 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 Rewards Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Rewards Checking transactions via ATM; Rewards Saver ATM transaction fees are not reimbursed nor refunded.
When your Rewards Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Rewards 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.
Rates, rewards, and bonuses, if any, are variable and may change after 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 one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.