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Checking Rewards Rates
SECU TotalTM Checking & Rewards
Note: APYs accurate as of 07/01/21 and are subject to change
Rates by Level
Platinum Rewards Level: APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate.*
$20,000 or more
Balance Requirement
Up to 0.20%*
APY**
$3,500 – $19,999.99
Balance Requirement
Up to 0.15%*
APY**
Less than $3,500
Balance Requirement
0.05%*
APY**
Gold Rewards Level: APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate.*
$20,000 or more
Balance Requirement
Up to 0.15%*
APY**
$3,500 – $19,999.99
Balance Requirement
Up to 0.10%*
APY**
Less than $3,500
Balance Requirement
0.05%*
APY**
Silver Rewards Level: APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate.*
$3,500 or more
Balance Requirement
Up to 0.10%*
APY**
Less than $3,500
Balance Requirement
0.05%*
APY**
Bronze Rewards Level: APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate.*
$1,000 or more
Balance Requirement
0.05%*
APY**
Gold & Platinum 12 Month CDs:
12 Month
Gold CD
Gold CD
0.48%*
APY**
0.48%*
Rate
12 Month
Platinum CD
Platinum CD
0.60%*
APY**
0.60%*
Rate
**APY = Annual Percentage Yield. *You must meet the criteria for each rewards level to receive the APYs shown for that level. Learn more here. APY is calculated based on average daily balance and will be a blended rate. Rates subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required.
12 Month Gold and 12 Month Platinum CDs are only available to members that have a SECU Total Checking & Rewards account that qualified for the Gold or Platinum rewards level in the previous month and must be opened in a branch or via mail. $500 required to open a Savings Certificate. A penalty may be charged for early withdrawal. Other terms may be available, call 410-487-7328 or 800-879-7328 for details.
Blended rate example: If you are in the Platinum level and have a balance of $50,000, you will receive 0.05% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99 and 0.20% on the portion of your balance between $20,000 and $50,000. This would result in a blended APY of 0.17%, if you maintain the $50,000 for the entire month.
Platinum: For this level, balances less than $3,500 receive 0.05% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.05% – 0.15%. Balances over $20,000 receive an APY of 0.05% – 0.20%.
Gold: For this level, balances less than $3,500 receive an APY of 0.05%. Balances between $3,500 and 19,999.99 receive an APY of 0.05% – 0.10%. Balances over $20,000 receive an APY of 0.05% – 0.15%.
Silver: For this level, balances less than $3,500 receive an APY of 0.05%. Balances over $3,500 receive an APY of 0.05% – 0.10%.
Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.