1. - APY stands for Annual Percentage Yield. Not all applicants will qualify for Champion Rewards Checking. Subject to membership in good standing and no inquiries from other financial institutions. If monthly requirements are not met, account earns 0.05% APY. Debits must post during calendar month to receive high-interest yield. ATM fee refund cap of $15 per month. Deposits over $15,000 for qualified accounts will earn 0.20% APY.

2. - No minimum balance required. No monthly service charge assessed. Insufficient funds and/or Overdraft fees may apply. Overdraft Protection and Courtesy Pay will not be enabled without member’s consent when The NEXT Account is automatically converted to a Champion Free Checking Account by Leaders.

Please see Leaders’ Rate and Fee Disclosure for more details.