*Member must have an open checking account and activated debit card for 30 days after account opening. No minimum balance required. Minimum 0.00% APY. Rates vary based on account balance. Once confirmed, member and referrer will receive $50.00 in the form of a deposit into their HFCU savings account which will be reported as taxable income. Contact an HFCU representative for details. Offer is non-transferable. Offer may change or be discontinued at any time without notice.