Voltage Save & Spend Account
EXCITE’S EXCLUSIVE SKY HIGH YIELD ACCOUNT
Finally an account that lets you spend with savings account benefits. Earn 4.00% APY* with this unique hybrid account that allows your money to remain liquid while it works for you.
If you’ve considered diversifying your funds from another institution, now’s the time to move to Excite’s Voltage Save & Spend account where your money is accessible when you want it while earning a shockingly high rate.
- Earn a premium rate of 4.00% APY*
- Instant access to your funds to spend as you need while earning higher rates
- No monthly service fee
- Unlimited in-network and out-of-network ATM use at no charge
- Get paid up to 2 days early**
- Online Banking, Mobile Banking, Bill Pay, and eStatements at no charge
- Send and receive money with Zelle®
- Credit Score Monitoring
- Manage your debit card with Card Lock
- Unlimited check writing
Already have an Excite Dividend Checking or High Yield Money Market and want to convert to Voltage Save & Spend?
By converting your existing Dividend Checking or High Yield Money market you can continue using your existing account number, debit card(s) and checks; no need to redirect automatic transfers or bills. Simply login to Online banking and send a Secure Message or contact us at 800.232.8669.
*APY means “Annual Percentage Yield.” The Voltage Save and Spend dividend provides an Annual Percentage Yield (APY) of 4.0% APY/Dividend Rate of 3.92% for balances of $0.01 - $250,000 and a 1.0% APY/Dividend Rate of 1.00% for balances over $250,000. Payment of dividends requires the account to be set up for eStatements and maintain an Average Daily Balance of $20,000 in the Voltage Save and Spend per statement period. Both qualification criteria are required to be met to earn the stated Dividend Rate and APY. If both qualification criteria are not met no Dividend will be paid. The Voltage Save and Spend dividend rate may change after account is opened and is subject to change at any time. The Daily Balance method is used to calculate dividends on the account. This method applies a daily periodic rate to the principal in the account each day. Dividends begin to accrue on the business day you make a deposit. Dividends are compounded daily and posted monthly on the last day of the month to account that meet qualifications criteria. Please note the minimum opening balance is $2,500. Limit one Voltage Save and Spend Account per membership.
**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Federally Insured by NCUA