¹APY=Annual percentage yield. Rewards Checking is limited to one per member (per membership). To earn the higher rate, you must opt out of paper statements from Har-co, have an ongoing qualifying direct deposit of at least $500 per month into your Rewards Checking account, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using a Har-co Visa Debit Card linked to the Rewards Checking Account. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on account. Dividend rates may change after account opening.
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²Minimum purchase transaction is $1.00 for debit card transactions. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. To qualify, debit card transactions must process, post, and clear within the calendar month.

³A qualifying direct deposit is a recurring electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from Zelle®, and deposits made at an ATM or through mobile deposit.