More than just a checking account.
As your money grows, so will your return. Beginning with a minimum balance of $5,000, this variable rate, four-tiered account gives you the ability to earn a higher return, as your balance increases.
Earn with the market, without the work.
With the two highest-balanced tiers tied to the 1-Month Treasury Bill (T-Bill) rate, you'll experience the excitement of the rising-rate environment without doing the legwork. Every week, the variable rate for balances beginning at $250,000, will adjust in accordance to the 1-Month T-Bill rate PLUS up to an additional .35%. No need to look for the next best rate, you're already receiving it.
What is the T-Bill rate?
Rates on Treasury Bills are set by market action and reflect the stability and direction of the overall market. The 1-Month T-Bill rate fluctuates daily; the rates for the two highest-balanced tiers will be updated every Tuesday, based on the preceding Friday's rates.
Get more out of your checking account.
In addition to earning a higher return, Amplified offers all the same great perks of a GECU checking account, including: unlimited transfers and transactions from GECU and non-GECU accounts, unlimited in-branch and ATM transactions, free debit card, free first box of checks, and more. Easily move money between your current accounts at GECU or another institution through free use of Online Banking and our mobile app with access to Purchase Rewards, Money Management, Web BillPay, Mobile Deposit, and Popmoney®.**
Your accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA). For more details about how your GECU accounts are protected, please click here for an informative brochure. Calculate your accurate share insurance by using the NCUA e-calculator.
Amp up your earning potential.
Start earning today with:
Tiered dividends. Earn more with an account that grows with your balance. Tiers include:
- $5,000.00 - $49,999.99
- $50,000.00 - $249,999.99
- $250,000.00 - $999,999.99 (Variable based on 1-Month T-Bill + .10% (margin))***
- $1,000,000.00+ (Variable based on 1-Month T-Bill + .35% (margin))***
Near real-time rate adjustments. Balances of $250,000 or higher experience the opportunity to earn more based on the rising-rate envinroment, meaning you're always getting an industry-leading rate on your money.
Simple transfers. Move funds between your GECU accounts or accounts at other institutions through Online Banking and our mobile app. Make one-time transfers or schedule recurring transfers; it's fast, easy, and safe.
Unlimited transactions. Maintain access to your money with unlimited transactions via check and debit card. Enjoy the flexibility of a checking account without the transfer limitations of a savings account.
|$5,000.00 - $49,999.99||.20%||.20%|
|$50,000 - $249,999.99||.80%||.80%|
|$250,000 - $999,999.99 (br) (Variable based on 1-Month Treasury Bill + .10% (margin))***||2.53%***||2.55%***|
|$1,000,000+ (br) (Variable based on 1-Month Treasury Bill + .35% (margin))***||2.78%***||2.81%***|
The perks that make your checking account work for you.
- Easily transfer funds from your GECU or non-GECU account within Online Banking.
- Earn cash-back on everyday purchases by activating offers in Online Banking and our mobile app when using your free debit card with Purchase Rewards.
- Deposit checks in a snap using mobile deposit.
- View all your accounts, stocks, and mutual funds from any financial institution with Money Management (free to use within Online Banking and our mobile app).
- Pay bills in one place online or from your phone in a few taps with Web BillPay.
- Receive and view your statements securely with eStatements.
- Free first box of standard checks
- Overdraft Line of Credit (upon approval)
- Access to GECU ATMs and thousands of surcharge-free ATMs
Open your account today!
Also, our Amplified High-Yield Checking account takes earning to the next level with a minimum to open of $5,000. You can enjoy a higher return based on your balance with tiered rates because of the opportunity to earn with the rate environment correlated to the T-Bill, plus a margin rate. Therefore, with weekly, automatic adjustments to the top two tiers, you will always receive a leading rate.
For example, if your balance falls below $5,000 on January 25th and you make a deposit on January 29th and the balance is over $5,000, no fee is applied. If the balance is less than $5,000 on January 31st, a $20 fee will be applied on that day.
For example, if your balance falls below the minimum on January 21st, no dividends will be accrued for that day. If you make a deposit on January 22nd and the balance increases to $5,000 or above, dividends will accrue on the 22nd based on the tiered balance. Earned dividends are applied at the end of the month.
The 1-Month T-Bill rate fluctuates daily; we will update this rate (within the top two tiers) every Tuesday, based on the preceding Friday’s rate. If the preceding Friday, Monday, or Tuesday are an observed holiday, the rates will be updated the following Wednesday. The current Amplified High-Yield Checking rate can be found on our deposit rates page.
With a lower entry point ($5,000 minimum) compared to our Premium FREE Checking and Money Market Plus, Amplified is designed so you earn more as your balance grows throughout life. Once reaching the top two tiers, you can confidently grow your savings as the rates automatically adjusts with the market. There’s no need to be on the lookout for the next best rate, you’re already receiving it!
**We provide Online Banking and our mobile app to you for free; however, Mobile/Internet data charges may apply. Please contact your service provider for details.
***APY = Annual Percentage Yield. You must deposit $5,000 to open this account and maintain the minimum daily balance of $5,000 to obtain the annual percentage yield. If the account falls below $5,000 any day of the month, no dividends are accrued on that day of the month. At the end of each month, if your account balance is below $5,000, you will incur a $20 Amplified monthly maintenance fee. You will receive the accrued dividends if you close your account before dividends are posted. The minimum balance for the account is $5,000; you must maintain the corresponding minimum daily balance to obtain the disclosed annual percentage yield. Rates earned are based on balance. The tiers are as follows: Tier 1 daily balance of $5,000 to $49,999.99; Tier 2 daily balance of $50,000 to $249,999.99; Tier 3 daily balance of $250,000 to $999,999.99 (1-Month Treasury Bill + .10%); Tier 4 daily balance of $1,000,000 or more (1-Month Treasury Bill + .35%). Tiers 3 and 4 are subject to variable-rate pricing and will adjust weekly. Under no circumstance will Tier 3 and Tier 4 rates be less than the stated Tier 2 rate. We will update this rate weekly on Tuesday to reflect the previous Friday’s 1-Month Treasury Bill rate. If the preceding Friday, Monday, or Tuesday are an observed holiday, the rates will be updated the following Wednesday. The 1-Month Treasury Bill rate can be found from the U.S. Department of Treasury site under the “Daily Treasury Yield Curve Rate” drop down option. We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. Annual Percentage Yield will vary due to account activity and balance. Rate may change after the account is open. Fees may reduce earnings.
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