***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, is registered for e-statements and conducts a minimum of 15 debit card transactions. For the standard APY, when the promotional criteria is not met and for rates that apply to tiers above the $2,500 maximum, reference here. 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 May 7th, 2020 and subject to change. Dividends are compounded monthly. Beacon Credit Union checking accounts are subject to credit qualification.