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4.01% Reward Checking Account at an Indiana/Ohio CU (Three Rivers)


Update 10/15/09: The top rate has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.

Three Rivers Federal Credit Union has a reward checking account called EPIC Checking with a yield of 4.01% APY on balances up to $25,000 (1.25% for over $25K) and refunds ATM fees (up to $12/cycle or $3/item) if the following monthly requirements are met: 1) 10 Visa check card transactions, 2) one direct deposit, automatic debit or On-Line Bill Payer payment, 3) access the online account, and 4) actively enroll in eStatements. If these are not met, the rate falls to 0.25%. There's no minimum balance.

Membership is open to to anyone who lives, works, volunteers or attends school in Adams, Allen, DeKalb, Huntington, Noble, Wells or Whitley Counties, Indiana or parts of Van Wert County, Ohio. Please refer to their Membership Eligibility page for more details. Membership requires a minimum deposit of $5 in the regular share savings account.

Branches are located in Ft. Wayne, New Haven, Auburn, Kendallville and Bluffton, Indiana, and in St. Marys and Van Wert, Ohio. The credit union is federally insured by the NCUA (Charter # 159). It has $457.8 million in assets and 68,890 members.

Other High Yield Reward Checking Accounts

Please see my reward checking overview for general information and a history of these reward checking accounts. For other reward checking accounts please see my list of reward checking accounts around the nation and the best checking account post.

Rate History:
10/01/09: 4.01% APY up to $25K; 1.25% APY over $25K
05/01/09: 4.25% APY up to $25K; 1.50% APY over $25K
02/01/09: 5.01% APY up to $25K; 2.00% APY over $25K
01/06/09: 6.01% APY up to $25K; 2.00% APY over $25K
12/30/08: 6.01% APY up to $25K; 2.50% APY over $25K
01/27/08: 6.01% APY up to $25K; 3.50% APY over $25K

  Tags: Indiana, Ohio, checking account, reward checking account

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Comment #1 by Anonymous posted on
Note: balances over $25K have a 2.50% APY.

Comment #2 by Anonymous posted on
Rate table dated 1/1/09 has yield on balances over $25K at 2.00%.

Comment #3 by Anonymous posted on
As of 2/1/09 the top rate has fallen to 5.01% APY.