Paycheck Perks
Enrollment is required unless otherwise stated.
APY Information
APY = Annual Percentage Yield.
The 4.00% APY is an introductory rate applicable to the Perk Central Savings account for eligible members.
Rates and terms are accurate as of 04/01/2026
Rates are variable and may change after account opening without notice
A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY
Fees may reduce earnings
Introductory Period
For the first five (5) months, there is no balance cap on funds eligible to earn the introductory APY.
After the introductory period:
- 3.00% APY applies to balances from $0.00–$100,000
- Balances above $100,000 earn the Regular Savings APY
- Existing Perk Central members earn the current APY, subject to change
- Members with cumulative monthly direct deposits between $0.00–$2,499.99 earn 0.05% APY.
Dividend Calculation Method
Dividends are calculated using the average daily balance method and credited monthly.
Swipe Bonus
With at least 25 debit card purchases of $1 or more per month, a $5 credit will be deposited to Perk Central. Excludes PIN transactions. Subject to modification or cancellation without notice.
Member in Good Standing
Eligibility requires the member to be in good standing. Fees may reduce earnings. See the Fee Schedule and All‑in‑One Disclosure for details.