PAYCHECK PERKS
Extra Rewards Made Easy
Want to get more for the things you already do? With Paycheck Perks and our QuickPay Checking Account, you can! Get a promo rate of 4.00% APY*.
*Includes our No Fee QuickPay checking account. Requires Direct Deposit
Introductory Rate
4.00% APY*
Earn up to 4.00% APY* for the first five months from account opening on direct deposits via ACH of $2,500 and above per month.
Post-Intro Rate
3.00% APY*
Earn up to 3.00% APY* following your 5 month introductory rate on direct deposits via ACH of $2,500 and above per month.
Swipe Bonus
$5 /month
Get an extra $5 in your account when you tap or swipe your debit card at least 25 times in a month (non-PIN transactions).
Round Up
+1
Round up your debit card purchases into the nearest dollar and watch your change from coffee runs grow into savings.
Savings Calculator
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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.
Perk Central:
Perk Central: Perk Central, a special savings account, will automatically be opened with QuickPay beginning September 22, 2025. No minimum balance is required to open this account. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account.
Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (no loans delinquent > 30 days, no charged‑off loans/shares, no ChexSystems records, etc.). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All‑in‑One Disclosure for complete information.
APY=Annual Percentage Yield. The 4.00% APY is an introductory rate available on new QuickPay and Perk Central accounts and applies to the Perk Central Account. Rates and terms are accurate as of 04/01/2026 and are subject to change after account opening without notice. A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY.
For the first five (5) months from account opening, there is no balance cap on funds eligible to earn the 4.00% introductory APY. After the introductory period, the current 3.00% APY will apply to balances between $0.00 – $100,000, and amounts above $100,000 will earn the Regular Savings account APY as disclosed on the current rates page. Existing members with an active Perk Central account earn the current APY, which is 3.00% for qualifying balances. The post-introductory APY is variable and may change at any time. Please refer to our Rates page for current rates.
Cumulative monthly direct deposits between $0.00–$2,499.99 will earn 0.05% APY. Direct deposits may be made to any share account within the membership. Dividends are paid to the Perk Central account using the average daily balance method.