CHECKING BUILT FOR 
YOUR GOALS.

Disclosures

*APY = Annual Percentage Yield

¹Qualified APY of 2.50% is for balances up to $15,000.00 only. Balances $15,000.01 or above will receive an APY of 0.10%. APY accurate as of February 5, 2025. We will use the daily balance method to calculate the interest on your account. We may change the interest rate paid for products and services used and the annual percentage yield at the Credit Union’s discretion at any time without notice. Fees may reduce earnings. You will earn the qualified APY and ATM rebate benefits when you do at least one of the following each monthly statement cycle: Option #1: Maintain direct deposits of at least $500.00 per month AND complete 10 debit card purchases OR Option #2: Maintain an average monthly balance of at least $5,000.00 in the Smart Checking account OR Option #3: Have $20,000.00 in combined end-of-month deposit balances. The average monthly balance is calculated by adding the closing balance at the end of each day and dividing it by the number of calendar days in a given statement cycle. Combined month-end deposit balances represent the total amount of balances in all applicable deposit accounts at the end of a statement cycle. Qualifying direct deposits include payroll or government benefits. Transactions that will not count toward direct deposits include external transfers, point-of-sale credits, and in-person check or cash deposits. Direct deposits and debit card purchases must post and clear the account during the statement cycle. Limited to one product per primary owner. Members must enroll in Online Banking and eStatements in order to remain eligible. If you do not meet the requirements for a qualification period, you will earn interest and receive the ATM fee rebates for the current statement cycle, but you will not earn interest or receive ATM fee rebates for the next statement cycle. You must requalify to earn interest and receive benefits. You will begin earning interest and receiving ATM fee rebates in the statement cycle after you requalify. Non-Teachers FCU and out-of-network fees charged at U.S. ATMs will be refunded up to $15 per month. Eligible ATM fees will be credited at the end of the statement cycle to the Smart Checking account that incurred the fee(s). Members cannot be enrolled in the Educated Choice program and have a Smart Checking account. We reserve the right to modify or change this agreement at any time. Dividends earned will be reported as interest on IRS Form 1099-INT (or Form 1042-S, if applicable). Federally insured by NCUA. For more information, please see a Teachers representative or call 1-800-341-4333.

²Minimum balance to earn interest is $2,500.00.

³Overdraft protection via automatic transfer from Teachers Savings or Money Market account is $8 per transfer and limited to 6 transfers per month.

⁴Teachers will assess a $1.75 fee for ATM transactions performed at a Non-Teachers ATM and is not responsible for any additional charges by a Non-Teachers ATM.

⁵Terms and conditions apply.

All rates and terms are subject to change without notice.

Membership at Teachers is required by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.