2.0% Annual Percentage Yield paid monthly on balances up to $5,000. Balances over $5,000 will earn the higher Share 1 dividend rate when requirements are met or the lower tier Share 1 rate if requirements are not met. All requirements must be met before month-end processing on last business day of month. Transactions posted after that time will count toward the following month’s requirements. Rates & terms as of August 1, 2015 and are subject to change. Must qualify for checking account. Personal accounts only. Only one Student Honors Checking account per member. ATM fee refunds up to $12.50 per month when requirements are met. Does not apply to ATMs outside the US. Ages 16 to 24 only. Under 18 requires signature of parent or guardian. Account converts to Honors Checking at age 25.