*Choice Plus Checking - *5.05% Annual Percentage Yield (APY) paid on balances between $0.01 and $2,500 each month a member makes one direct deposit, maintains an average daily balance of $300.00, is registered for e-statements and conducts a minimum of 15 debit card transactions. A 0.05% APY is paid on the portion of account balances over $2,500 for each month the requirements are met. A rate of 0.05% APY will be paid on all balances over $0.01 each month the requirements are not met. Dividends begin the business day we receive credit for the deposit of non-cash items (for example, checks). Rates and terms for this account are effective November 14th, 2017 and subject to change. Dividends are compounded monthly. Beacon Credit Union checking accounts are subject to credit qualification.