Checking and Savings working together to help you reach your goals!
It’s easy to earn more with Incredible Interest! With our Incredible Interest Checking, you earn high interest for each cycle that qualifications are met and no term commitments for access to your money. Incredible Interest Savings is the companion savings account; partnered with the free Incredible Interest Checking, you can increase your Incredible Interest Savings each month.
Incredible Interest Checking
- Earn up to 3.50% APY* on balances up to $10,000
- Tiered interest rates; see our rates for details
- ATM fee refunds up to $25 each cycle that qualifications are met
- First order of standard checks at no charge
- 24/7 convenient digital services: Online Banking, Mobile Banking and Bill Pay
- Eligible for companion Incredible Interest Savings Account
- Turn everyday purchases into effortless rewards with Everyday Debit Rewards***
Incredible Interest Savings
- Earn up to 2.00% APY** on balances up to $100,000
- Combines the higher return of a CD with the flexibility of a savings account
- Must be linked to an AOCU Incredible Interest Checking Account**
- Interest rate is subject to meeting Incredible Interest Checking qualifications
- Interest and any ATM reimbursements from Incredible Interest Checking will automatically transfer each cycle to Incredible Interest Savings account
Incredible Interest Qualification Requirements per Cycle:
- Minimum of 15 debit card point of sale transactions post and settle to your account per monthly qualification cycle
- Receive statements electronically (E-statements)
- Receive at least one direct deposit or ACH debit per monthly qualification cycle
Free Incredible Interest Checking*
Effective date: 07/31/2026
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $0.00 – $10,000.00 | $1.60 | 3.45% | 3.50% |
| $10,000.01 or more | $10,000.01 | 0.10% | 3.50% – 1.46% |
| All balances if qualifications not met | $110.00 | 0.05% | 0.05% |
| *Minimum deposit of $5.00 required to open the account. Balances up to $10,000.00 receive an APY of 3.50% if qualifications are met. 3.50%-1.46% APY is earned on the portion of the balance over $10,000.00, depending on the balance in the account ($25,000 used for second tier balance for this APY example). An APY of 0.05% applies to the entire balance if qualifications are not met. Qualifications: 15 debit card point of sale (POS) transactions post and settle to your account per qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle to your account), receive your monthly statement electronically, and receive at least one direct deposit or ACH debit per qualification cycle. Qualification cycle means: a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). A Point of Sale (POS) transaction is a payment method made in person (usually in retail stores) or online using a credit/debit card. ATM transactions are not a POS. Up to $25.00 in ATM fee refunds per cycle when qualifications are met (maximum fee of $4.99 per ATM transaction). This account may not to be used for commercial purposes. Fees may reduce earnings. Membership requirements apply. | |||
Free Incredible Interest Savings**
Effective date: 07/31/2026
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $0.00 – $100,000.00 | $3.00 | 1.98% | 2.00% |
| $100,000.01 or more | $100,000.01 | 0.10% | 2.00% – 1.68% |
| All balances if qualifications not met | $110.00 | 0.05% | 0.05% |
| **Balances up to $100,000.00 receive an APY of 2.00% if Incredible Interest Checking qualifications are met. 2.00%-1.68% APY is earned on the portion of the balance over $100,000.00, depending on the balance in the account ($300,000 used for second tier balance for this APY example). An APY of 0.05% applies to all balances if Incredible Interest Checking qualifications are not met. This account may not be used for commercial purposes. You must have an Incredible Interest Checking account in order to open an Incredible Interest with Savings account. | |||
***Everyday Debit Rewards (“Program”) is a rewards program that enables you to take advantage of special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your All One Credit Union debit card to purchase products and services – online or in-store – from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.
As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). (“Earning Cycle”). The Redemption Period is generally 60 days but the number of days may vary between Earning Cycles. Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Rewards are earned; (ii) validated by the Merchant; and (iii) are made available for distribution (“Redemption Period”). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.
Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.
Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers is subject to change at any time.
Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding, or death, and cannot be combined with Rewards of any other member or participant in the Program.
We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion, including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any time. You can review the full terms and conditions here.
