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Advantage Checking

Smarter Checking. Higher Yield.

 

Elevate your everyday banking with high-yield Advantage Checking.

An Advantage Checking account offers the convenience of a traditional checking account, with the added benefit of a higher return on your money! You could earn 3.50% APY on balances up to $20,000.*

With convenient ATM access worldwide, digital banking options, and no monthly service fees, you can bank with ease and confidence knowing that your money is working hard for you.

Explore the features and see how Advantage Checking rewards you:

High Yield Earnings

Earn 3.50% APY on average daily balances up to $20,000*

Full Access

Use Online Banking, Mobile Banking, and 24/7 telephone access to stay in control

Debit Card Control

VISA® Debit Card with custom controls with our CardControl App

Monthly Requirements

Debit Card Usage

Make 9 or more debit card purchases totaling at least $100

Direct Deposit

$1,500 or more in recurring aggregate electronic deposits

eStatements Enrollment

Receive eStatements 

Have questions about Advantage Checking?

View the FAQs

Advantage Checking

Balance Amount

Dividend

Rate

Frequency APY*
$0.01-$20,000.00 3.45% Monthly 3.50%
$20,000.01+ 0.00% Monthly 0.00%

 

Disclosures

*APY is Annual Percentage Yield. Advertised APY of 3.50% is effective as of 4.10.2025 and is subject to change at any time. Dividends are compounded and credited monthly, based on the Average Daily Balance. Rates are set by the Credit Union and are subject to change at any time. Advantage Checking accounts are tiered. The dividend rate is paid on the portion of the Average Daily Balance within each balance tier. The following qualifications must be met monthly to earn dividends:   

  • Currently enrolled in eStatements.
  • Have a recurring aggregate electronic deposit of $1,500.00 or more to Advantage Checking. Transactions that do not qualify as recurring electronic deposits include, but are not limited to, transfers between AgFed accounts, deposits from an internet payment service, for example, Zelle®, and ATM deposits.
  • Complete a minimum of 9 qualifying signature, PIN or Point-of-Sale (POS) transactions per month using the AgFed VISA® Debit Card linked to the Advantage Checking. Minimum debit card transaction amount is $100.00 cumulative per month. Debit Card transactions must be authorized and settled within the monthly qualification cycle.

If qualifications are not met at the end of the cycle, no dividends will be paid. Qualification cycle resets on the first day of the calendar month. Overdraft/uncollected fees may apply. See the Credit Union's fee schedule for additional information.

Advantage Checking will earn 4.00 APY on average daily balances up to $20,000.00. No dividends will be paid on Average Daily Balances of $20,000.01 and higher. The monthly qualification cycle is defined as the first calendar day of the month through the last calendar day of the month.

There is no minimum balance required to open. Limited to one account per membership. Membership qualifications apply.

Click here to view the complete Share Rate/Truth in Savings Disclosure.