[AR, IN, MI, OH, OK, PA, NV, NC only] United Federal Credit Union: Ultra Checking Account – Earn 5% APY On Balances Up To $15,000

Update 11/20/25: Terms now say ‘Offer limited to residents of Arkansas, Indiana, Michigan, Ohio, Oklahoma, Pennsylvania, Nevada, and North Carolina’

Update 11/6/25: Now offering a $250 checking & $100 debit card. 

Update 5/18/23: Has now increased to 5% APY from 3% APY.

Offer at a glance

• Interest Rate: 3% APY
• Minimum Balance: None
• Maximum Balance: $15,000
• Availability: MI, NV only
• Direct deposit required: Yes, no minimum mentioned. It does say just an ACH deposit is required. 
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Up to $1,000
• Monthly fees: None
• Insured: NCUA

The Offer

Direct link to offer

• United Federal Credit Union Ultra Checking account offers 3% APY on balances up to $15,000 when the following requirements are met:
  • eStatements
  • 10 debit transactions
  • 1 ACH deposit (no minimum specified)

Avoiding Fees

There doesn’t seem to be any monthly fees to worry about.

Our Verdict

Relatively easy requirements to meet, will add this to the best high yield savings accounts.

Hat tip to PrudentVeterinarian0