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Make Waves High-Yield Checking
Earn up to 4.00% APY*
Earn up to 4.00% APY* — No Minimum Balance
Why Swtich to Make Waves Checking?
High Returns, Not Hidden Fees
Up to 4.00% APY* on qualified balances — one of the best rates available for checking accounts.
Get Paid Early
Get access to your direct deposit one day before payday.
Bank Anywhere You Go
30,000+ surcharge-free ATMs nationwide & 5,000 shared branch locations.
Free Digital Tools That Save You Time
Mobile Banking & Bill Pay, Contactless Visa Debit Card, Real-Time Account Alerts
How to Earn 4.00% APY*
on balances up to $15,000 and 1.50% APY* on balances of $15,000.01 or greater
- Enroll in and receive free e-statements
- Receive $1,000+ in direct deposits each month
- Make 15+ debit and/or credit card transactions each month
Real Members. Real Rewards.
—This account changed how I bank – high APY and early payday makes all the difference. – Alex R. ⭐⭐⭐⭐⭐
Your Questions, Answered.
How do I qualify for 4.00% APY?
Complete 15+ debit or credit purchases, receive $1,000+ in direct deposits, and enroll in free e-statements.
What if I don’t meet the requirements?
No worries! You just won’t earn the higher APY that month. This account has no minimum balance requirement.
Why choose Make Waves Checking?
Because you deserve better than a basic checking account. With zero fees, high yield, and early payday perks, Make Waves pays you back.
Ditch the Fees. Earn More. Get Paid Early.
Make Waves Checking is the account that works for you.
Checking Account Rates
|
Account |
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. APYs listed are current as of 3/1/2026. Rates are subject to change without notice. |
|||
|
Account |
Minimum balance to earn dividends $0-$15,000 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.000%** |
|
Account |
Minimum balance to earn dividends $15,000.01 or greater |
Dividend Rate 1.490% |
Annual Percentage Yield* 1.500%** |
|
Account |
Minimum balance to earn dividends Qualifications not met |
Dividend Rate 0.000% |
Annual Percentage Yield* 0.000% |
|
Account Free Checking |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
|
Account |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
Disclosures
*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings.
The Make Waves Checking account is a tiered rate account. You may qualify for a higher dividend rate and annual percentage yield if you meet the minimum qualification requirements during the monthly qualification cycle. To meet the minimum qualification requirements, you must: a) enroll in and receive free e-statements; b) complete 15 or more credit card or debit card transactions that post and settle to your account; and c) have direct deposits of at least $1,000.00. The monthly qualification cycle is defined as a period beginning on the first day of the calendar month and ending on the last day of the calendar month. Qualifying credit card transactions include those transactions reflected on your Visa Credit Card statement for the period which closes during the monthly qualification cycle. Assume, for example, that your credit card statement period closes on the 10th of the month. For the monthly qualification cycle beginning July 1st and ending July 31st, those credit card transactions that post and settle during the credit card statement period ending July 10th will be included as qualifying transactions. Debit Card transactions may take one or more business days from the date the transaction was made to post and settle to your account. The debit card transactions must post and settle during the monthly qualification cycle in order to qualify for the higher dividend rate and annual percentage yield. If you meet the minimum qualifications requirements during the qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and annual percentage yield listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to the entire balance in the account.
A Credit Union Making Waves
RadiFi Credit Union continues to earn recognition for strong growth, trusted service, and community impact. These honors reflect the commitment of our associates and the trust our members place in us every day.
