Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05%的年收益在最初的15美元,000 of account balance if monthly requirements not met; balance above $15,000赚0.10%的年 和 is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; 和 (c) active enrollment in eStatements. 利率 may change after account is opened. Minimum deposit required to open account is $50.00. 费用 could reduce the earnings on the account. 每位会员一个帐户.  Subject to program 卡Perks Terms 和 条件. 查看条款及条件 的更多信息.  APY=年收益率. Bonus rate require an open 超 checking account with a positive balance.  APR=年利率. 对于封闭式, 固定消费贷款, 包括汽车贷款, 其他汽车贷款, 和签名的贷款. Does not include real estate-secured loans.  Bonus rate require an open 超 or 奖励 checking account with a positive balance 和 minimum Money Market balance of $1,000.  After 5 foreign 自动取款机 withdrawals United will charge a fee per withdrawal. Foreign institution surcharge may also apply. 观点统一 利率和费用.  Requires 10 signature-based debit card transactions per month, e-statements 和 one (1) Direct Deposit or ACH per month. Excludes international 自动取款机, balance inquiry fees, 和 自动取款机 deposit fees.  Must be 18 years or older 和 have a valid home phone number 和 email address on file.