Liberty Federal Credit Union: Vertical Dividend 3.30% APY Account On Balances Up To $20,000 (Evansville Teachers Federal Credit Union)

Update 5/18/22: EFTCU will be rebranded to Liberty Federal Credit Union in September.

Update 6/13/19: Rate will increase to 3.30% APY on 7/1/19.

January 2nd, 2018: Maximum balance has been increased from $15,000 to $20,000.

Offer at a glance

• Interest Rate: 3.30% APY
• Minimum Balance: None
• Maximum Balance: $20,000
• Availability: Nationwide with $5 donation
• Direct deposit required: Yes, no minimum specified
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Yes, mixed dp of being inquiry sensitive
• Credit card funding: Up to $1,200. Visa or Mastercard only
• Monthly fees: None
• Insured: NCUA

The Offer

Direct link to offer

• Evansville Teachers Federal Credit Union (ETFCU) offer the Vertical Dividend Checking account, this account earns an APY of 3.30% on balances up to $20,000 when you complete the following requirements each month:
  • 15 debit card purchases
  • 1 direct deposit
  • 1+ online or mobile banking login
  • Receive eStatements
• You also get free ATM withdrawals worldwide (up to $15 per month)

Avoiding Fees

This account has no monthly fees

Eligibility

According to the sign up page, anybody can join by making a $5 donation to the Mater Dei Friends & Alumni Association

Our Verdict

One of the better nationwide high interest accounts, it’s nice that it’s a soft pull and you can fund a small amount with a credit card. The high maximum balance is also nice. As always, please share your experiences in the comments below.