Maximize Your Money with the Fox Rewards Suite

Back to Blog
02.10.2026 Written by Fox Communities Credit Union

Are you looking for a way to maximize your money without locking it into a long-term investment? The Fox Rewards Suite is designed to help you do just that with a combination of high-yield accounts, everyday banking perks and total flexibility. 

What’s Included in the Fox Rewards Suite?

It all starts with a Fox Rewards Checking, which helps you earn 5.00% Annual Percentage Yield (APY) on balances up to $5,000 and 0.50% APY on everything after that. Plus, no monthly fees, no minimums, early paycheck deposit and ATM fee refunds.1 

From there, you can bundle your rewards by adding a Fox Rewards Savings, which earns 2.00% APY2, and a Fox Rewards Money Market, earning 3.50% APY on balances $15,000-$999,999.993. All you have to do is meet the monthly qualifications of a Fox Rewards Checking to earn some of our highest rates (see the checklist at the bottom!). 

All of those combined, there’s no limit to what you can earn. By taking advantage of the full Fox Rewards Suite, you can earn on average $2,000 a year in dividends and savings (based on qualified average balance)4. 

Grow Your Savings Potential with Fox Rewards Money Market

When you’re already enjoying the rewards of a Fox Rewards Checking, a Fox Rewards Money Market is the perfect high-yields savings option. It’s great for those who want higher returns than traditional savings accounts without sacrificing access to your funds. 

With a Fox Rewards Money Market, you can:

  • Earn our highest money market dividend rate on your entire balance of $15,000 or more with no caps on your balance or earnings

  • Access your funds with no penalties or withdrawal fees

  • Move money instantly into your Fox Rewards Checking for when you need it 

Overall, the Fox Rewards Suite trio is perfect for those who want to earn more on their money while having easy access when they need it. 

Real Growth, Real Flexibility

One Fox member came upon $50,000 after selling some real estate and knew they wanted to invest it back into their primary residence. Instead of letting it sit idle in a traditional savings account while they finalized their renovation plans, they parked it in a Fox Rewards Money Market and earned top rates since they had a Fox Rewards Checking. 

In the seven months they had the money in the high-yield savings account, the member accumulated over $750 in dividends. That’s on top of their checking account dividends, ATM fees being refunded and getting their paychecks two days early.

With the help of the Fox Rewards Suite, they made the most of their money with the ability to access it without any penalties or fees. 

Why Fox?

Choosing where to keep your money matters—and at Fox, our members choose us because of the people behind the products.

Here’s what sets us apart:

  • Award‑winning member service: Our team is known for being friendly, accessible and genuinely committed to helping members reach their financial goals. Whether you prefer to visit us in-person, call, or use our digital tools, you get real support from real people who care.
  • Local decisions, local focus: As a member‑owned credit union, we exist to serve our community—not shareholders. That means better rates, fewer fees and solutions built around you.
  • Proactive support: From helping members maximize daily dividends to assisting with major life purchases, our team works with you one‑on‑one to make sure you’re getting the most out of your money.

Great rates are just the beginning—it's the service behind them that truly makes Fox different.

Monthly Checklist to Qualify for the Best Fox Rewards Rates

To earn the highest dividend rates across the Fox Rewards Suite, make sure you complete these simple monthly steps through your Fox Rewards Checking:

  • Use your Fox debit and/or credit card 15 times per qualification cycle for qualifying purchases
  • Sign up for eStatements
  • Have a valid email address
  • Have a total monthly Direct Deposit or automatic debit of at least $500 attached to the account

Once these are met, you automatically qualify for the elevated rates on the Fox Rewards Suite. 

Ready to Maximize Your Money?

Become a member and open the Fox Rewards Suite trio accounts online or by visiting your closest Fox location.

How much could you save with the Fox Rewards Suite?

Use one of our handy savings calculators to find out. 

Annual Percentage Yield (APYs) accurate as of 2/10/2026, and subject to change without notice. Membership required. 
1

When the Fox Rewards Checking account daily balance up to and including $5,000.00 earns a dividend rate of 4.89%, resulting in an APY of 5.00%; and daily balances over $5,000 earn a rate of 0.50% APY on the portion of the daily balance over $5,000.00 resulting in a range from 0.50% to 5.00% APY, depending on the account daily balance and meeting the monthly qualifications. Dividends are calculated and accrued daily based on the Fox Rewards Checking balance tier and Monthly Qualification requirements met. Monthly Qualification Cycle requirements are: (a) make 15 Fox Communities Credit Union (Fox) debit/credit card qualifying purchase transactions that post and settle during each Monthly Qualification Cycle, restrictions apply; (b) have a $500 or more direct deposit or automatic payment during each Monthly Qualification Cycle; (c) enroll in Online Banking and elect to receive eStatements with a valid email address. When qualifications are not met, the rate earned on the entire daily balance in the account will be 0.01% APY, and domestic ATM fee refunds will not apply.  Limit of one Fox Rewards Checking account per a tax reported owner. Rates are subject to change at any time. Fees may reduce earnings on account. 

The monthly qualification cycle begins on the last business day of the previous month and ends one (1) day prior to the last business day of the current month. For additional details, terms, and applicable fees, contact a Fox team member, visit your closet Fox location, or refer to your Agreement and Disclosures, and/or Account Disclosure Rate Supplement and Schedule of Fees and Charges document. 

Domestic ATM fees incurred during each monthly statement cycle will be reimbursed up to a total of $15.00, if qualifications are met within the Monthly Qualification Cycle on the Fox Rewards Checking account. Domestic ATM fees incurred will be posted to your account on the last day of the current month’s statement cycle. 

Fox will post payroll direct deposits on the day they are received, which may be up to two business days earlier than the scheduled posting date. Other exceptions may apply.  

2
Fox Rewards Savings, a variable rate account, with no minimum balance requirements. Dividends are calculated and accrued daily, based on balance and monthly qualification requirements met. To qualify for a higher dividend and annual percentage yield (APY) during the dividend period, you must: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced. For additional details, terms, and applicable fees, contact a Fox team member, visit your closet Fox location, or refer to your Agreement and Disclosures, and/or Account Disclosure Rate Supplement and Schedule of Fees and Charges document.
3
Fox Rewards Money Market account, a tiered variable rate account, requires an average daily balance of $15,000 or more during each dividend period. Dividends are calculated and accrued daily based on the Fox Rewards Money Market balance tier and monthly qualifications requirements met. Monthly qualification requirements are: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced. For additional details, terms, and applicable fees, contact a Fox team member, visit your closet Fox location, or refer to your Agreement and Disclosures, and/or Account Disclosure Rate Supplement and Schedule of Fees and Charges document. 
4
Stated $2,000 divided earnings is an example of the approximate dividends you may earn for a year, if you maintain an average daily balance of $5,000 in your Fox Rewards Checking account earning 5.00% annual percentage yield (APY), and an average daily balance of $42,857 in your Fox Rewards Money Market account earning 3.50% APY, and a $12,500 average daily balance in your Fox Rewards Saving account earning 2.00% APY, and meeting the monthly qualification requirements of the Fox Rewards Checking account. Rates are subject to change at any time without notice. Dividends earned are based on the average daily balance and may increase or decrease based on the average daily balance in each of the Fox Rewards Suite accounts or combination of accounts held by member and if the monthly qualifications of the Fox Rewards Checking account are met. Terms and conditions apply. For complete details, visit foxcu.org.