Rewards Disclosures

High-Yield Checking

*APY = Annual Percentage Yield. APYs accurate as of 6/3/2024. Rates may change after account is opened. Qualifying transactions must post and settle to the High-Yield Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our branch service representatives for specific Statement Cycle dates.

Qualification Information

To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your High-Yield Checking account during each Monthly Qualification Cycle:

Standard Qualifications

Be enrolled in and log into Online or Mobile Banking

At least 12 debit card purchases

Be enrolled in and have agreed to receive e-statements rather than paper statements

Enhanced Qualifications

Be enrolled in and log into Online or Mobile Banking

At least 20 debit card purchases

Be enrolled in and have agreed to receive e-statements rather than paper statements

Premium Qualifications

Be enrolled in and log into Online or Mobile Banking

At least 20 debit card purchases

Be enrolled in and have agreed to receive e-statements rather than paper statements

Have an active, secured loan with GTKYCU

The advertised High-Yield Checking APY is based on compounding dividends. Actual dividend amount paid may be less than advertised High-Yield Checking APY. The High-Yield Savings APYs may be less than High-Yield Checking APYs. Limit one account per social security number.

For High-Yield Checking accounts, if qualifications are met each monthly qualification cycle:

Standard Rewards: Average daily balances up to and including $25,000 in your High-Yield Checking account earn a dividend rate of 2.2271% resulting in an APY of 2.25%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a range from 2.25% to 0.65% APY depending on the account's average daily balance.

Enhanced Rewards: Average daily balances up to and including $25,000 in your High-Yield Checking account earn a dividend rate of 3.9385% resulting in an APY of 4.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a range from 4.00% to 1.00% APY depending on the account’s average daily balance.

Premium Rewards: Average daily balances up to and including $25,000 in your High-Yield Checking account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a range from 5.00% to 1.20% APY depending on the account’s average daily balance.

Cash Back Checking

*APY = Annual Percentage Yield. APY is accurate as of 09/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

^Some restrictions apply. Refer to Truth-in-Savings Disclosure and Fee Schedule for details. E-Statements are required with Free Bill Pay.

REWARD INFORMATION

2.50% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When your qualifications are not met cash back payments are not made and ATM fees are not reimbursed. ATM Fee Refunds: you will receive reimbursements up to $10 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. Payment of Rewards and ATM Fee Refunds: Rewards and ATM fee reimbursements will be credited to your Cash Back Checking account on the first business day of the following statement cycle.

MONTHLY QUALIFICATION INFORMATION

“Monthly Qualification Cycle” means a period beginning on the first calendar day of the current statement cycle through the last calendar day of the current statement cycle. To qualify for rewards for a monthly qualification cycle, you must complete the following in that cycle period: 1.) have at least 12 debit card purchases; 2.) receive E-statements; and, 3.) be enrolled and access Online Banking. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following debit card activities do not count toward earning account rewards: ATM-processed transactions; transfers between accounts; and, purchases made with non-Greater Kentucky Credit Union issued debit cards.

ADDITIONAL INFORMATION/LIMITATIONS

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $10.00 minimum deposit is required to open the account. Limit one account per social security number. Contact a Greater Kentucky Credit Union member service representative for additional information. Federally insured by NCUA

High-Yield Savings

*APY=Annual Percentage Yield. APYs accurate as of 06/01/2025. Rates may change after account is opened. Minimum to open is $10 for High-Yield Savings. For High-Yield Checking and Cash Back Checking, if qualifications are met each monthly qualification cycle, domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle High-Yield Checking or Cash Back Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM 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. Actual interest amount paid may be less than advertised Cash Back Checking APY. The High-Yield Savings APYs may be less than High-Yield Checking APYs. If qualifications in High-Yield Savings or Cash Back Rewards are met each monthly qualification cycle: (1) balances up to $100,000 in High-Yield Savings receive an APY of 3.00%; and (2) balances over $100,000 in High-Yield Savings earn 0.25% interest rate on portion of balance over $100,000, resulting in 3.00% - 0.25% APY depending on the balance. If qualifications are not met on High-Yield Checking or Cash Back Rewards, all balances in High-Yield Savings earn 0.01% APY. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts and PIN based transactions do not count as qualifying transactions. Limit one account per social security number. Contact a Greater Kentucky Credit Union member service representative for additional information. Federally insured by NCUA.