Open a High Yield Checking Account with Inspire FCU and start earning today! Paying high dividends, our tiered rate structure allows you to increase your rate as your balance grows with quick and easy access to your funds anytime you need them.
**APY=Annual Percentage Yield. Rates effective as of 05.01.2026. $25 minimum deposit required to open. High Yield Checking is a tiered-rate account. APY is calculated as an average daily balance throughout the statement cycle, not on balance at the end of the statement period. Once a particular balance range is met, the dividend rate and APY for that range will apply to the full balance of your account. Balances of $0-$25,000 will earn 0.50% APY. Balances of $25,000 or more will earn 1.00% APY. Rates are variable and may change after account is opened. Dividends post on the last day of the month. Fees may reduce earnings, please see our fee schedule. Please visit our rates page for full disclosure and account terms and conditions. Federally insured by NCUA.