1. - APY = Annual Percentage Yield. Champion Rewards - Not all applicants will qualify. Subject to membership in good standing and no inquiries from other financial institutions. To qualify for 4.00% APY, member must have at least one direct deposit per month, be enrolled in e-Statements, and complete 15 transactions with their Leaders debit Mastercard each month. If monthly requirements are not met, account earns 0.05% APY. Debits must post during calendar month to receive high-interest yield. ATM fee refund cap of $15 per month. Deposits over $15,000 for qualified accounts will earn 2.00% APY up to a limit of $250,000. For full disclosures, please access our Consumer Rates Disclosure.