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High-Yield Spending Account
Earn 6.00% APY* on Account Balances
Earn more while you bank every day with High-Yield Spending. When you meet simple qualifications, you'll earn a competitive Annual Percentage Yield (APY) on checking account balances up to $20,000.1 It’s the perfect account for those who maintain higher balances but still want easy access and flexibility with their funds.
How It Works
Earning a high dividend rate is simple! You can qualify by doing things you might already do, like shopping or direct depositing your paycheck. Here’s what you need each month to qualify:
Earning a high dividend rate is simple! You can qualify by doing things you might already do, like shopping or direct depositing your paycheck. Here’s what you need each month to qualify:
- At least 15 point-of-sale (POS) transactions each cycle
- At least one direct deposit or ACH each cycle
- Be enrolled in eStatements
If you don’t qualify for the higher dividend rate in a given month, no worries! Your account still has no monthly fees2 and a variety of member benefits you can count on.
Not only will you earn a high rate, but you'll also enjoy no monthly service fees and easy access to a full suite of banking tools to manage your money with ease.
With High-Yield Spending you get:
6.00% APY*
Annual percentage yield is paid monthly to qualifying accounts.
No Monthly Service Fee
No service fees, ever.2
 Mobile App with Remote Check Deposit
|
 eStatements
|
 Online Banking with
Bill Pay
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 Contactless Mastercard® Debit Card
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 No Minimum Deposit
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For added peace of mind, add optional Overdraft Privilege or Credit Reserve to your account.
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
Get Instant Answers
To qualify for the 6.00% APY* on up to $20,000, all you have to do is open the account, be enroll in eStatements, and make sure that 15 point of sale transactions and one Automated Clearing House (ACH) or direct deposit posts during each Monthly Qualification Cycle.
No problem! You still have a free checking account that earns 0.01% APY*, and can easily qualify the following Monthly Qualification Cycle.
A Monthly Qualification Cycle is based on the calendar month, during which you can qualify for 6.00% APY.
You can earn up to 6.00% APY on balances up to $20,000. Balances over $20,000 will continue earning interest, but at a lower rate.
There is no minimum checking account deposit. As long as you have $5 in a Share Savings account, you can open a High-Yield spending account with any deposit amount.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Free Bill Pay makes it easy to automate online payments from your checking.
Transfer money into your account, review balances and more.
*Annual Percentage Yield (APY). APYs are accurate as of 11/1/26.
1 If qualifications are met each monthly qualification cycle: (1) Balances up to and including $20,000 receive an APY of 6.00 %; and (2) balances over $20,000 earn 0.05 % dividend rate on portion of balance over $20,000, resulting in a range from 6.00 % - 0.05 % APY depending on the balance. If qualifications are not met, all balances earn 0.01 % APY. Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. Rate may change after account is opened and fees could reduce earnings. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC. For additional account details please refer to High-Yield Spending Qualification Details.
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