Update 5/20/26: It appears to be nationwide now, excluding ‘Idaho, Utah, Louisiana, Texas’. Hat tip to the reader DW
Offer at a glance
- APY: 7.5% APY
- Maximum balance: 10,000 dollars
- Availability: Nationwide, excluding Idaho, Utah, Louisiana, Texas
- Hard/soft pull: Unknown
- ChexSystems: yes (chex sensitive for online applications)
- Credit card financing: Unknown
- Monthly fees: None with wealth
- Early account closure fee: ANY
- Family boundary: None listed
Offers
- Rize Credit Union has their Beyond Checking account which offers a 7.5% APY interest rate on balances up to $10,000.
- To qualify and earn dividends, you must make 5 debit card purchase transactions that post to your account during each statement cycle (ATM withdrawal transactions are not considered debit card purchases).
- Sign up for eStatements to avoid the $5 monthly fee.
Our verdict
Excellent degree and fairly easy qualifications, we will add this to our Regional Best Savings Rates section.
You may remember Rize Credit Union from the bank bonus we posted last week. A reader posted that they were able to open both the Free Checking with the $400 bonus and the Beyond Checking for the 7.5% interest rate with one branch visit.
The account can also be opened online, but preferably only for those who live in Nevada. (The other deal was limited to Nevada and I’m not sure if that’s a system wide limit now for all their accounts.) Also note that Rize is chex sensitive.
