Checking Account Rewards

Earn up to 1.00% APY interest monthly on your T&I Credit Union checking account by qualifying for one of three categories. The higher-level category you qualify for, the better interest rate you will receive on your account.
View the table below to see if you qualify or to find out more information on how to qualify:
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Requirements
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Reward
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Biggest Piece
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- Use Direct Deposit.
- Have a loan with T&I Credit Union.
- Perform any combination of 15 qualifications.
- Sign-up and receive eStatements.
- Use online banking.
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- 1.00% APY interest on accounts up to $5,000 balance
- .10% APY interest for balance over $5,000
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Middle Piece
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- Use Direct Deposit.
- Perform any combination of 10 qualifications.
- Sign-up and receive eStatements.
- Use online banking.
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- .50% APY interest on accounts up to $5,000
- .10% APY interest for balance over $5,000
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Smallest Piece
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- Perform any combination of 10 qualifications.
- Sign-up and receive eStatements.
- Use online banking.
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- .25% APY interest on accounts up to $5,000
- .10% APY interest for balance over $5,000
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Qualifications Included:
- Debit Transactions
- Credit Transactions
NOTE: The qualifications of Debit and/or Credit transactions both apply to the way a card holder uses their Debit Card during purchases. When you use your debit card while making a purchase you may be prompted to select Debit (use your 4-digit code to authorize the purchase) or Credit (you do not need to use your 4-digit code to authorize a purchase). Selecting either of these options on the screen will count towards these qualifications. VISA Cards do not contribute to this program.
If you do not qualify for any of the three tiers listed above your current checking account will remain the same. No fees or penalties will be placed on accounts that do not meet requirements. Requirements must be meet each month in order to receive the dividend. Dividends will be rewarded on a monthly basis. Rates subject to change without notice. Effective 12/31/2022.
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