*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards.  The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one (1) day after the last day of the previous qualification cycle through one (1) day prior to the last day of the current Statement Cycle. See below for specific Monthly Qualification Cycle dates.

Click here or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When your Sail Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Sail Checking account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $10,000 earn a dividend rate of 0.4989% on the portion of the average daily balance over $10,000, resulting in a range from 5.00% to 0.91% APY depending on the account’s average daily balance.

You will receive reimbursements up to $20.00 for nationwide ATM withdrawal fees incurred within your Sail Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Sail Checking and Surf Checking; Shore Savings ATM transaction fees are not reimbursed nor refunded.

When your Sail Checking qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Sail Checking account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 11/10/2025.

APY calculations are based on an assumed balance of $10,000 + $100,000 in your Sail Checking account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment in e-statements are conditions of this account(s).

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.