Free Linked Saver

Free Rewards + Free Linked Saver

^‡APY=Annual Percentage Yield. APYs accurate as of 4/1/2024. Rates may change after account is opened. When your Free Rewards account qualifications are met during a Monthly Qualification Cycle: domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle, daily balances up to and including $25,000 in your Free Rewards account earn an interest rate of 3.93% resulting in an APY of 4.00%; and daily balances over $25,000 earn an interest rate of 0.25% on the portion of the daily balance over $25,000 resulting in a range from 4.00% to 1.00% APY depending on the account's daily balance. When linked to the Free Linked Saver account: (a) the interest earned within the Free Rewards account does not compound since it is automatically transferred to the Free Linked Saver account within one business day of being credited to the Free Rewards account. (b) Actual interest amount paid may be less than the advertised Free Rewards APY if represented with a linked Free Linked Saver account because of non-compounding, the non-compounding rates would be 4.00% to 1.00%. (c) Automatic transfer may cause an overdraft to your Free Rewards account if the account's balance is less than the transferred amount when transfer occurs. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. If qualifications in Free Rewards are met each monthly qualification cycle: (1) balances up to $100,000 in Free Linked Saver receive an APY of 2.00%; and (2) balances over $100,000 in Free Linked Saver earn 0.25% interest rate on the portion of the balance over $100,000, resulting in 2.00% to 1.12% APY depending on the balance. APY range is calculated assuming maximum balance of $200,000. If qualifications are not met on Free Rewards, all balances in the Free Linked Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 

Free Cash Back + Free Linked Saver

^‡APY=Annual Percentage Yield. APYs accurate as of 4/1/2024. Rates may change after account is opened. When monthly qualifications are met, you will receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Free Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Free Cash Back rewards will be credited to your Free Linked Saver account on the last day of the monthly statement cycle. If qualifications in Free Cash Back are met each monthly qualification cycle: (1) balances up to $100,000 in Free Linked Saver receive an APY of 2.00%; and (2) balances over $100,000 in Free Linked Saver earn 0.25% interest rate on the portion of the balance over $100,000, resulting in 2.00% - 1.12% APY depending on the balance. APY range is calculated assuming maximum balance of $200,000. If qualifications are not met on Free Cash Back, all balances in the Free Linked Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Fees or withdrawals could reduce earnings.