Ouachita Independent Bank Reward Checking 3.01% APY - 25K - Nationwide

Ouachita Independent Bank's Reward Checking offers 3.01% APY up to 25K and nationally available. This free, high-interest checking account rewards you every day. Not only does free really mean free with OIB, but you'll also enjoy unlimited ATM fee refunds nationwide.

Summary
* 3.01% APY* interest paid on balances up to $25,000
* 0.51% APY* on portion of balance above $25,000
* 0.05% APY* if qualifications are not met
* Unlimited ATM refunds nationwide
* See Qualifications tab for three, simple rewards qualifications
* No monthly service charge
* No minimum balance requirements
* Minimum deposit to open: $100
* Free MasterCard® check/debit card
* Free online banking with bill pay
* Interest compounded daily, paid monthly 

Qualifications
To receive the rewards APY* rate and ATM refunds, these minimum requirements must be met. You're probably doing these anyway. If not, you'll soon learn they make your life easier.

* Make at least 12 debit card transactions per qualifying cycle
* Make at least one direct deposit or automatic ACH debit per qualifying cycle
* Receive monthly statements electronically (eStatements)

If these qualifications are not met, your OIB Reward Checking account is still totally free, and will receive the base interest rate of 0.05% APY*. Your account is automatically eligible to receive the higher interest rate and ATM refunds the following cycle.

Ouachita Independent Bank
909 N. 18th Street, Suite 100
Monroe, LA 71201
(318) 338-3000
www.oibank.com

Join Navy Federal Credit Union

Navy Federal Credit Union(NFCU) and USA Federal Credit Union are merging, hence all members will be under Navy Federal Credit Union starting Oct. 4th. NFCU is pretty difficult to join unless you are service member, however USA FCU is not difficult at all.

Here's what to do:

1) Join USA Fed by joining the Prime Meridian Association ($5 fee) as part of the USA Fed application process.

2) Wait until Oct. 4th to become NFCU member

Some benefits of joining NFCU:

1. Very very good CD rates
2. A new auto loan at NFCU is currently 1.99% APR for up to 36 months
3. Great customer services

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