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* The FDIC National Average APY for an interest-bearing checking account is 0.08% APY as of 4/15/24 for balances under $100,000.  

1 Earn.56% APY(Annual Percentage Yield) on balances up to $5,000 and a range of .00% APY – .56% APY on balances equal to or greater than $5,000.01.  Rates are subject to change without notice after the account is opened. Rates are effective as of 1/24/24.  Overdraft/returned items fees may apply. Requires $100 deposit and an agreement to receive eStatements to open. Fees could reduce earnings.

2 Your account must meet specific reward qualification criteria to earn the reward interest rate(s) disclosed, the account must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have 12 completed Liberty Visa® debit card transactions by the last business day of the month (qualification cycle) using the Liberty Visa® debit card(s) linked to the account. This means the 12 transactions must have cleared your account, not be in pending status and excluding ATM transactions. To earn the rewards rate on your Big Interest Savings account, you must have a Big Interest Checking account that meets the requirements above. When the qualifications above are met during a monthly qualification cycle, (1) Checking balances up to $25,000 receive APY (Annual Percentage Yield) of 1.00%, and balances of over $25,000 earn 0.50% APY on the portion of balance over $25,000. (2) Big Interest Savings account balances up to $50,000 receive APY of 4.00%, and balances of over $50,000 earn 1.00% APY on the portion of balance over $50,000. (3) When Big Interest Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 4/12/24 and are subject to change without notice. 

3 Replacement Liberty Visa® Debit Cards are $10 each.

4 Access to funds for getting paid early can be up to two days prior to the date of scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.

7 Requires $100 deposit to open, however these funds are available to you after account opening. 

8 Click on the link to locate the 55,000+ surcharge-FREE ATMs in the ALLPOINT NETWORK near you.

9 Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

10 Subject to availability. Message and data rates may apply. You must apply for Mobile Deposit. 

11 The descriptions here are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefits on the certificate of insurance. Some benefits require registration/activation.

12 50 Freedom account holders receive one free box of logo checks per year. They receive a 50% discount on additional orders of logo checks. All other check styles are subject to normal check printing fees.