¹ Activate Rewards Checking annual percentage yield (APY): 2.00% APY applies to the first $20,000 and 2.00% - 0.20% APY on balances greater than $20,000 if all qualifications have been met. 0.05% APY on all balances if qualifying factors are not met. If qualifications are met, when account maintains average daily balance of $2,500 or more OCCU will deposit 1.00% of the debit transaction amount into the Rewards Checking account, maximum benefit amount for account is $30 a month/$360 a year. Rewards are deposited during the statement cycle in which all qualifications are met.