7-7-7 Share Certificate ($7k Max) At Great Lakes Credit Union

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Deal Summary: 7-month Share Certificate, 7.00% APY, $1k min/$7k max deposit, one certificate per member.

Availability: Easy membership requirement

Now through November 30, 2018, Great Lakes Credit Union (GLCU) is offering a 7-month “7-7-7” Share Certificate, with an outstanding 7.00% APY. The minimum deposit is $1k, with a balance cap of $7k.

This limited-time offer is only available through November 30, 2018 and there is a limit of one certificate per member. GLCU’s President’s Club bonus rates do not apply to the 7-7-7 Share Certificate.

As stated in the Fee Schedule, the Early Withdrawal Penalty reads as follows:

Terms up to 1 year – 90-day loss of dividend for early withdrawal

These types of CD promotions often have balance caps of only $1k or $2k. Compared to the typical promotions, this one with a $7k cap isn’t bad. Of course, the $7k balance cap prevents a member from earning a large amount on this promo, but you can still earn a fair amount that equals a nice checking account bonus. I have more details on the amount of the earnings in the comparison section below.

Thanks to DA reader, gnarlycow, for the Forum post on this great short-term deal.

Availability

Headquartered in North Chicago, Great Lakes Credit Union’s field of membership (FOM) provides a way for almost any US citizen or alien resident a way to join.

Easy Membership: The very last answer to the online application question, "Which best describes your affiliation with GLCU?" is "Not listed – let us help." By selecting that answer, you qualify for membership in GLCU.

Residency: Anyone who lives or works in the Illinois counties of Cook (west of Route 83), Dupage, Kane, Kendall, Lake, McHenry, and Will, as well as in Kenosha County, Wisconsin, is eligible to join.

Employment: Federal government employees, including active and retired military members, and employees of the Tinley Forest School Districts 113, 142, 145, 146, and 160, qualify for membership.

Affiliation: Members of Teamster Local 705 and the NIBA are also eligible.

Relationship: Relatives of any membership-eligible individuals also qualify.

Joining GLCU and/or opening a 7-7-7 Share Certificate can be done online or at any of 14 Illinois branches located in Antioch, Bolingbrook, Chicago, Country Club Hills, Crystal Lake, Gurnee, Naperville, North Chicago, Oak Lawn, Round Lake Beach, Waukegan, Willow Springs, Woodstock, and Zion.

GLCU is a member of the Co-Op Shared Branch organization, which gives GLCU members access to over 5,000 Credit Union Service Centers across the country.

Through this convenient network, you can perform many of your financial transactions and obtain services at other credit unions and service center locations belonging to the network.

Shared branching can make it easy to deposit money to fund new accounts, like Share Certificates. Simply make a deposit into the savings account at a local shared branch and then ask to fund the new Share Certificate from the savings account.

Credit Union Overview

Great Lakes Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 8.36% (excellent) based on June 30, 2018 data. In the past year, GLCU has increased its total non-brokered deposits by $5.96 million, an above average annual growth rate of 0.9%. Please refer to our financial overview of Great Lakes Credit Union (NCUA Charter # 60238) for more details.

Organized in 1938, Great Lakes Credit Union was established for the benefit of the members of Local 167 of the National Federation of Federal Employees. At that time, there was no local financial institution and civil servants were paid in cash. Every payday, GLCU’s Treasurer would set up a desk at the end of the Disbursing Officer’s pay line, collecting deposits and loan payments from members, which in turn were placed in a tin cash box. Eighty years later, through expansion, charter changes, and mergers, GLCU has more than 82,300 members and assets in excess of $819 million.

How the 7-7-7 Share Certificate Compares

Obviously, the 7% APY beats any rate currently offered on any CD, but the $7k balance cap makes for an apples-to-oranges comparison. A better way of understanding this rate is to compare the CD's maximum earnings to the earnings of a top savings account over seven months. You can see if the extra earnings in this CD over the savings account would make the CD worth your time. The earnings listed below are approximate and based on a $7k balance, with the assumption the savings rate remains constant for seven months.

The 7-7-7 Share Certificate will return about $190 more than the current top savings account.

The above rates are accurate as of 11/20/2018.

Related Pages: Chicago CD rates, 1-year CD rates, nationwide deals

Comments
JACK
JACK   |     |   Comment #1
Do they do a HARD INQUIRY for the certificate?
Dros
Dros   |     |   Comment #6
Someone should call in to see if they do a hard inquiry
ddbrege
ddbrege   |     |   Comment #10
The credit check is a "soft" pull.
drose
drose   |     |   Comment #16
who said this? you spoke to a CSR?
ddbrege
ddbrege   |     |   Comment #31
Did not call. I have a free Credit Karma account and they send me a monthly accounting of my credit score from both Experion and Transunion and/or I can go online and check every inquiry that has taken place at any time. I checked online at that account this morning and again a few minutes ago and there has been no activity. For me, the only time I have had a hard pull is if I want a credit card or insurance, etc. I guess if you are worried maybe YOU should pick up the phone and call so YOU can get the info directly and then you will feel better...or will you?
Hard pull
Hard pull   |     |   Comment #15
YES, hard pull was done on me in the past.
TransUnion
TransUnion   |     |   Comment #38
I called and got message: Hold time 47 minutes, or leave your phone #, we will call back.
They called back in about an hour. CSR said that I needed to "Unfreeze" TransUnion for security verification questions, not sure if that would include Hard Inquiry. I applied last night and was not asked any security verification questions, I guess because I have a freeze. So, need to unfreeze and then send a secure message to let them know so they can finish my app.
Is it worth it?
Is it worth it?   |     |   Comment #2
So what is the actual $ yield of this deal? Too early to do the math!
Yes, it is.
Yes, it is.   |     |   Comment #3
$286. I guess it was too early to read also!
Human
Human   |     |   Comment #40
Actually is about $180.00 for seven month, if you are already earning 2.5% on your Money. Not worth it!
deplorable 1
deplorable 1   |     |   Comment #4
$286 approx. per member.
deplorable 1
deplorable 1   |     |   Comment #7
Missed it by that much..........M Smart I live in Michigan. I don't see any mention of using a ACC membership to join either. Anyone have another way in?
ddbrege
ddbrege   |     |   Comment #8
Read that second paragraph...worked last night for me without any issues.
24rew
24rew   |     |   Comment #9
Applied last night, also. I uploaded drivers license and filled out all the usual info. but I did not have to answer questions to verify identity. I have a credit freeze, so maybe that is why? I did create user/password and verified email. I got an email with a link to check application status.
Did you have to answer identity verification questions?
deplorable 1
deplorable 1   |     |   Comment #18
Thanks I must have missed that.
jim
jim   |     |   Comment #44
chose the last option in the drop box on the application. That will get you accepted
QED
QED   |     |   Comment #11
I agree with Ken's $190 delta and I appreciate Ken's having provided this helpful data. I'm on the fence on this one. It's not just a possible hard pull, though that is an important consideration. It's also that the $190 is fully taxable (federal, state, and local) on the margin. This deal, in my opinion, could benefit from a little more juice. To wit:

Is it possible to fund your Great Lakes deposit with a CC? With CC funding I would be in.  And there would be no hesitation whatsoever, hard pull or no hard pull.
24rew
24rew   |     |   Comment #12
ACH or mail a check were the options to fund during the application process.
deplorable 1
deplorable 1   |     |   Comment #14
Great question! Does anyone know is credit card funding is available? That would be the equivalent of $426 with a 2% card. On par with some of the best bank bonuses out there which usually require a 6 month tie up of cash anyway.
both feet
both feet   |     |   Comment #13
7K whew!
stock market got some scared
jumping in anything offered
RJM
RJM   |     |   Comment #17
These guys pay DOUBLE what my current HSA pays. Wonder if I could transfer that over and open the CD within the HSA?

Wait, even the mention of a hard pull means I have to go to the underground bunker for 7 days..
Newbie1
Newbie1   |     |   Comment #24
$2,000+ in a HSA earns 1%, up to $2,000 earns 2%
DCGuy
DCGuy   |     |   Comment #27
I do not like "reward checking account" restrictions placed on non-reward checking account products. Not worth the effort.
RJM
RJM   |     |   Comment #29
Yep, my bad, the fine print at LMCU is the other way around...
LMCU:

Health Savings Account - $5,000+ = 1%

Health Savings Account - $0 - $4,999.99 = 0.50%
And....
HSA Transfer Fee $35.00
Non Compos Mentis
Non Compos Mentis   |     |   Comment #26
Their HSA has a weird interest rate tiers.
2% up to 2K and 1% on everything over that.
Seems backwards to me.
DCGuy
DCGuy   |     |   Comment #32
Well, they are encouraging you to save less. Too much money socked away in savings account does not help the economy.
Newbie1
Newbie1   |     |   Comment #34
HSA comparable health insurance plans can have $6K+ annual deductibles for a single person. It is not unreasonable to have one or two years total out-of-pocket costs saved in a HSA. An illness or accident in December could drain an HSA quite quickly.
Healthy
Healthy   |     |   Comment #46
Don't smoke and walk 5 miles per day is a good way to avoid problems!
AnnO
AnnO   |     |   Comment #20
Are we sure that "let us help" option really means you get a membership without actually meeting any of the requirement options? It sounds to me like they'll contact you later to 'help' you determine which of their requirements you actually meet (and cancel your membership if you don't meet any of them).
Radster
Radster   |     |   Comment #23
I agree. I suspect this loop-hole is unintended, and thus not sustainable.
deplorable 1
deplorable 1   |     |   Comment #30
I was wondering the same thing. Has anyone called to confirm that this is a way in?
AnnO
AnnO   |     |   Comment #49
According to someone on doctorofcredit, "When you click “Let Us Help” you will automatically be enrolled in the United Buying Service (UBS) for free and that will give you eligibility."
AnnO
AnnO   |     |   Comment #67
A little more info from the last page of the application process:

"By clicking this box, you authorize us to verify the information you submitted and to obtain credit and/or debit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application. If we are unable to identify your eligibility to join GLCU, we may include you for membership through our partner, United Buying Service (UBS). UBS is a buying service that has been saving consumers money for over 40 years. There are no fees for your association with this service and they will not contact you for any reason. If you would like to visit their website to see the assistance they can provide, please visit www.ubsi.com."
DCGuy
DCGuy   |     |   Comment #21
The $7K max and time frame makes it less palatable, but I do qualify to join.
Non Compos Mentis
Non Compos Mentis   |     |   Comment #28
The rest of their rates are a joke. Not worth the bother.
deplorable 1
deplorable 1   |     |   Comment #33
During the application process it appears that they force you to also open a checking account along with the share account. Any way to opt out of it?
QED
QED   |     |   Comment #35
Hmmmm. If you're right, a checking account would mean suffering a hard pull almost for certain. Or at least so it seems to me.
24rew
24rew   |     |   Comment #36
You "Uncheck" the checking acct option at the end of the application.
When you choose the "let us help" option that will make you a member of some organization - which they state will not contact you.
jim
jim   |     |   Comment #45
on the next page you have the option of removing the checking account option.
Verlifk
Verlifk   |     |   Comment #37
Don't see the 7-month certificate in the Available Products you can add during the application
ChasinRates
ChasinRates   |     |   Comment #39
I'm midway through the process, so this is based on what I've experienced on-line and what I learned from on-line chat with CSR. A CSR can help get the CD account opened, but first the funds must be in an account at Great Lakes CU. When I opened my Share Savings account, the max I could transfer from an external account was $5K. Because I want a $7K CD,I'm going to make a deposit at a Shared Branch. FWIW, I tried calling and the recorded mssg said the hold time would be 59 minutes, but with the Chat feature I got through to a CSR immediately. Thanks to Ken and reader gnarlycow for sharing this information! Feels like Christmas came a little early this year.
Anonymous
Anonymous   |     |   Comment #41
I called GLCU and waited a hour to talk to a CSR. She indicated opening a new account for the 7-7-7 CD does require a HARD credit pull on TransUnion. You must open their Share Savings account, transfer money into that (if the transfer is above $5000 this must be initiated from another institution) and then call them to open the CD. If I were to open, it would be with funds currently earning 4.5% elsewhere, netting probably less than $100 after time lost transferring the money in and out of GLCU.

Kudos to the person who posted this deal and it may be worthwhile for some, but the hard credit pull and minimal net gain do not make this useful for me.
deplorable 1
deplorable 1   |     |   Comment #48
Thanks for the great information. I was going to do this but with a hard pull maybe a bank bonus at Citi $200/$400/$600 might be a better option with the same cash.
numberten
numberten   |     |   Comment #42
I am a long-time member of GLCU and have found them to be a competitive outfit with a minimum of hassles. If you are eligible and do decide to join, I can submit a referral. GLCU is currently running a promotion where a referral will make us both $50 richer.
Referral
Referral   |     |   Comment #43
Yeah. but you will make a killing if just only 50 people ask you for referrals.
deplorable 1
deplorable 1   |     |   Comment #47
So what it's called capitalism nothing wrong with that. I'm not sure if referrals are allowed on here though. I posted one before and it was removed.
AnnO
AnnO   |     |   Comment #50
Looks like there is a limit of 5 referrals per referring person. And you can't just join with the minimal required savings account and open the CD for the referral to count, you have to jump through checking account hoops too.

" Referred member must complete the following for either party to receive referral dollars:
- Total $500 direct deposit(s) received within 45 days of opening a Checking account.
- Make at least five debit card transactions within 45 days of account opening totaling at least $100.
- Enroll in eStatements, WebConnect & Mobile Banking within 45 days of account opening.
$50 will be deposited into both parties’ accounts if the behaviors are met at 45 days of account opening. "

Oh, and it gets worse in the fine print:

"Referred member must open a new Share (Savings) account with a $5 membership deposit and a Free Checking Account with a Visa debit card in a physical branch location."

https://www.glcu.org/about-us/contest-and-raffle-rules/refer-a-friend/
Yawn
Yawn   |     |   Comment #51
Meh......call it 4% extra on $7k for 7 months?? About $165 bucks......not bad but not sure iot's really worth it to join and go through the bs.....Yawn.......Maybe ......maybe not.
ChasinRates
ChasinRates   |     |   Comment #52
My husband just applied for a CD, and since I completed my application yesterday there have been a couple updates: 1) Opening the CD on-line is now an option. 2) The maximum you can transfer from an external bank has been increased from $5K to $7,500, so no need to go to a Share Branch. However, with the larger transfer amount, it's now necessary to do the "2 small deposits to verify ACH account" step.
AnnO
AnnO   |     |   Comment #53
Thanks for the update!

PS: Is there definitely no credit card funding option?
verlict
verlict   |     |   Comment #54
nope, transfer or check
slacker
slacker   |     |   Comment #55
Went into a branch with wife and we both opened up accounts today only took a bit over 20 minutes so not bad for 560 bucks
oots
oots   |     |   Comment #56
Did you call to get your account number first, or maybe you are local to this credit union?..... I am still waiting for my account numbers so I can go to shared branch to make my deposits for wife and myself.
Shay
Shay   |     |   Comment #57
We did the same thing. Supereasy. The customer service reps were very helpful.
thowellIII
thowellIII   |     |   Comment #58
One item to note in the schedule of fees is that GLCU seems to have one of those single service account fees (although it is given a different, more intuitive name):
Savings Only Membership..... $5.00 per month
unless each month you maintain a $500.00
direct deposit, a $500.00 average daily balance,
OR an additional GLCU deposit or loan product.

So, after the CD matures, if you haven't selected the free checking, you might be on the hook for your membership/share savings account balance (if you have no other accounts open).
AnnO
AnnO   |     |   Comment #59
That is annoying. Guess we should be accepting the free checking option in the signup process instead of deselecting it, after all, unless one doesn't want to keep the membership handy for possible future deals. The good news is, it looks like there is "No monthly fee or minimum balance" on their free checking account. It is a rewards checking account with a bunch of hoops to jump through to earn interest, but if you ignore that stuff there will still be no fees, just no interest. So it should be easy enough to sock-drawer the debit card and leave $5 in the account with occasional transfers to keep it active.

https://www.glcu.org/bank/checking/free-checking/
BreakfastCDs
BreakfastCDs   |     |   Comment #60
Yes, bad advice in above comments to avoid the free checking, you need a checking and savings to avoid $5 monthly fees if the balance is below $500. I had to contact them for a new checking account. Also, $5 is a required hold for savings account. So for the 7-7-7 deal, you need at least 7,005 transferred. I had to do a second transfer to compensate, which was a pain as they don't allow external transfers for first 90 days. Will see if the funds will be available before the week CD deal ends. Otherwise, a complete waste of time. The amount of effort put into this already, I actually regret signing up.
Anon2
Anon2   |     |   Comment #61
Was it a hard pull?
BreakfastCDs
BreakfastCDs   |     |   Comment #62
I'm not sure if it's a hard pull for the checking account. I would have to check or wait for my next credit score update through mint or other bank app. According to this site, it is a hard pull. http://www.bankcheckingsavings.com/hard-pull-or-soft-pull-for-opening-a-bank-account/
DOA
DOA   |     |   Comment #63
These nickel and dime promotions that have small limits on the deposited amounts usually always raise a red flag to me. Especially if those promotions are coming from an institution that historically never has offered competitve rates in the past. Sometimes these small deal promotions may require more effort and trouble than what they end up gaining. For this offer, if you deposited $7K and get 7% for 7 months, you only get roughly $163 more than you would for a comparable 3% rate in 7 months. And then after 7 months, you probably then go thru the ropes of getting your matured amount and closing the account.
AnnO
AnnO   |     |   Comment #64
"they don't allow external transfers for first 90 days"

Ouch, does that mean they would even block externally-initiated pull attempts of any amount? If so, that would mean it's a bad idea to try to link this account on another bank site that wants to do microdeposits... some banks are not happy if they can't pull their microdeposits back.
AnnO
AnnO   |     |   Comment #65
I haven't found documentation of that restriction, but I did find this info about ACH limits on the demo online banking site's New External Transfers page:

" You may submit up to two inbound transfers and two outbound transfers per day. The total dollar amount of inbound transfers cannot exceed $50,000. The total dollar amount of outbound transfers cannot exceed $5,000. You may set up recurring or future dated transfers. These transfers will count towards your totals on the day that the transfer is scheduled to occur.

Please note: Per government regulation transfers from a Savings or Money Market account to another account or third party by preauthorized, automatic, or telephone transfer – including online banking transfers - are limited to six per month with no more than three transfers by check, draft, or ACH or similar order to third parties. "
BreakfastCDs
BreakfastCDs   |     |   Comment #69
The CSR online chat lady said you can link an external bank and push and pull money. I linked my Ally account, and pushed an extra $5 to cover the required savings acct hold. Funny thing though, Ally made the micro transactions the same morning my 7K funds arrived, but since my savings balance was -$5 ($5 is held by bank), Ally could not retrieve the cents back. AND I was whacked with a $29 fee by Great Lakes, which the kind CSR reversed. So I actually banked 54 cents on the deal!!
BreakfastCDs
BreakfastCDs   |     |   Comment #70
Also I realized you don't actually need the full 7K to qualify, so I could have just used a lesser amount and created the CD
SvyT
SvyT   |     |   Comment #71
I had a similar experience to BreakfastCDs; obtained waiver of $29 overdraft fee, which ironically triggered by two micro deposits from my other bank. I hope my current bank does not charge me a fee since that it could not pull back the micro deposits. I am regretting going for this one.
AnnO
AnnO   |     |   Comment #74
Okay, good to know that the 90-day thing is wrong (perhaps that was just in regard to early CD withdrawals?). Not so good to hear they're doing the asinine reordering-of-deposits/withdrawals thing. I opened the free checking account ($0 minimum balance) with $5, in addition to the savings $5, so when/if the time comes, I'll make sure to link my other bank to the checking only.
AnnO
AnnO   |     |   Comment #66
LOL, I had assumed from the timing that the motivation for this CD offer was Thanksgiving, but the application page says "To celebrate the remodeling of our Country Club Hills Branch you can earn 7% APY for 7 months up to $7,000."
gregk
gregk   |     |   Comment #68
For any late deciders, a GLCU rep told me today that as long as the application is completed by tomorrow (Nov.30), even if your membership isn't approved and the CD established and funded until after that date the offer will still be good.
AnnO
AnnO   |     |   Comment #73
Very helpful information, thanks. (I applied yesterday, after waiting for transfers to get the funds lined up.)
gregk
gregk   |     |   Comment #75
Deleted comment #72 (in reply to my comment #68) was "Great to hear that" or "Great to know that", - or words very close to those.

How in the world was that a violation of the comment policy???

This sort of thing (that happens all the time here) is a complete discredit to the forum and its moderation, - altogether irrational and gratuitous.
i did not shoot the deputy
i did not shoot the deputy   |     |   Comment #77
if it was sarcasm and didnt offend YOU, it seems we have overzealous comment policy rules which will mean deletion of this post or non publishing of
24rew
24rew   |     |   Comment #76
This was a great deal, glad to have gotten it. All the reps at this CU were very courteous and professional, more so than most other banks/cu
AnnO
AnnO   |     |   Comment #78
I applied Thursday morning last week. Finally got an update today. They didn't respond to my request for confirmation that the CD is still going to be available to me because of when I applied. Just a generic message saying to provide a utility bill and a 'new account questionnaire' (just a bunch of checkboxes about how you intend to use the account, with answers that aren't well-designed to handle our situation). You have to either email or snail-mail these; they claim you could upload them to the application site, but that doesn't work since they still only have it set up to allow uploading driver's licenses from our end.
slew3
slew3   |     |   Comment #79
I uploaded mine under driver's license, worked fine.
Be aware that I had to fill out that questionnaire twice because I did not answer every single question. They did not apply to me so I skipped them, but that delayed the process for me, so answer all of them.
AnnO
AnnO   |     |   Comment #80
Oh, I was hesitant to try that because I thought it might overwrite the previous upload in that category, or else confuse them. I went with email. (And did pick something on all the questions, despite their irrelevance.) Got a reply yesterday saying they'd received the files and would review them. No further news today.
AnnO
AnnO   |     |   Comment #81
My application is finally approved and they are sending the microdeposits. But the message says at the very end, "NOTICE: In order to receive the promotional certificate the all information and funding MUST be received before 12/7/18 3pm Central Standard time." :-o

Edit: I called them about this, and Member Services promised it is not actually a funding deadline. Once your application is approved and the certificate set up on their end, which they said mine is now, it's okay if it takes into next week for the ACH process to finish funding. But if your account application isn't approved by 3pm tomorrow, you probably won't get it.
AnnO
AnnO   |     |   Comment #82
I did get this CD successfully opened despite the funding taking a few days longer to finalize the stated deadline. Getting my online banking access set up later was a PITA though, for various reasons that hopefully most people won’t run into, and their support/communication was not so great in that process. Until you have online access successfully established so you can access the secure chat thing, the only way to communicate is by phone, with wait times that can exceed an hour, and a lack of follow-through on issues that the front-line call center people can’t resolve themselves.
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Deal Summary: 33-month Special Share Certificate, 3.33% APY, $1k min/$250k max deposit, new money.

Availability: Easy membership requirement

Illinois-based Great Lakes Credit Union (GLCU) is currently offering a 33-month Special Share Certificate, which earns 3.33% APY. The minimum deposit is $1k of new money, and the maximum is $250k.

This limited-time offer may be withdrawn without notice. GLCU’s President’s Club bonus rates do not apply to the 33-month Special Share Certificate.

As stated in the Fee Schedule, the Early Withdrawal Penalty reads as follows:

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Availability: Easy membership requirement

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GLCU’s President’s Club bonus rates do not apply to the 18-month Share Certificate Special.

According to CSR, the Early Withdrawal Penalty is 182 days of interest.

Availability

Headquartered in North Chicago, Great Lakes Credit Union offers membership...

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Illinois-based Great Lakes Credit Union’s (GLCU) contribution to the various holiday specials being offered this month is a limited-time 15-month Share Certificate (1.50% APY) .

The minimum deposit is $1K of new money and there is no balance cap. (GLCU’s President’s Club bonus rates do not apply to the 15-month Share Certificate.)

Many thanks to DA reader, marcal, who posted this deal in the Forum.

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Great Lakes Credit Union has an interesting high-yield reward checking account called Ultimate Checking. It offers a nice rate, but unlike the vast majority of reward checking accounts, there's a potential monthly fee. If certain monthly requirements are met, the account has the following rates and features (as of 11/02/2011):

  • 4.00% APY up to $15,000
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  • Up to $5 ATM rebate per month
  • Free overdraft transfers
  • No monthly fee or minimum balance requirement

The monthly requirements include:

  • 10 signature-based debit card purchases
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