(1) Premium Rates: Annual Percentage Yield. Premium Rates of 0.85% APY paid on average daily balances of $10,000 and below and 0.10% APY paid on average daily balances over $10,000 each monthly cycle when monthly qualifications have been met. If monthly qualifications are not met, a base rate of 0.01% APY will be paid on the average daily balance. Rates current as of 11/01/12 and may change anytime after the account has been opened. Minimum $20 is required to open this account. No minimum balance is required. Subject to other HawaiiUSA FCU account terms and conditions. Other fees may apply which could reduce your earnings. A minimum $5 is required to open a HawaiiUSA FCU Share savings account (if applicable). Member must be eligible for and obtain a HawaiiUSA FCU Debit Card.
(2) Nationwide ATM Fee Reimbursements: There is a maximum $20 nationwide ATM fee reimbursement per account qualification cycle when requirements are met.
(3) Qualification Cycle: Each qualification cycle ends on the second to the last day of each month. The eLife Checking: Qualifications document—which contains the various qualification cycles and other important information—is available to download or can be obtained at any HawaiiUSA FCU branch. Your debit card transactions and direct deposit/ACH transactions must be posted or cleared on the account to be counted within each qualification cycle. It may take up to three business days before the transaction posts or clears the account.