Bring Your Checking Home.
Earn 5.00% APY on the Way.
Open a High Yield Checking account, powered by Kasasa®, and earn 5.00% APY on your first $10,000. The checking account that actually pays you to use it.
A local Freedom Advisor from Provo or Springville will reach out to walk you through next steps.
What 5.00% APY Actually Adds Up To.
The difference between a checking account that pays you and one that doesn't isn't theoretical. It's hundreds of dollars a year — sitting in plain sight.
That's $500/year in your pocket from High Yield Checking — earned on the same money you're already keeping in your checking account.
A $10,000 balance in High Yield Checking at 5.00% APY earns you about $500/year. Same money. Same place you already park it. The only thing that changes is the bank holding it.
High Yield Checking.
The account that pays you to park your money where you already park it.
5.00% APY on your first $10,000
Built for the way most people actually use checking — direct deposit in, debit card out, paid for showing up.
- 5.00% APY on the first $10,000
- 1.00% APR on any balance above $10,000
- $5 minimum to open
- No monthly maintenance fee
- Blended APY 5.00% to 1.37% by balance
- Local switch help from a Freedom Advisor
Keep less than $3,000 in checking? Try Cash Back Checking instead.
Earn 6% cash back on the first $200 of debit card purchases each month — up to $12/month back in your pocket. Built for members who carry smaller balances and run most of their spending through the debit card. Same $5 minimum to open.
*APY = Annual Percentage Yield. Rates are variable and may change. Both accounts require monthly qualification activities to earn the rewards rate.
To Earn the Rewards Rate Each Month:
Four simple things, all of which you're probably doing already.
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1 direct deposit or ACH Your paycheck, Social Security, or any recurring ACH credit/payment counts.
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12 debit card purchases Coffee, gas, groceries, online orders — they all count. Most members hit this without trying.
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Enrolled in e-statements Get statements electronically instead of paper. Better for the environment, faster to access.
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Valid email on file So we can reach you with statements and any account notifications.
The Switch Is Easier Than You Think.
The reason most people don't switch banks isn't the bank — it's the dread of moving direct deposits, recurring payments, and autopay. Freedom handles the heavy lifting.
- We help you redirect your direct deposit with a single form.
- We give you a checklist of recurring payments to update.
- We walk you through closing your old account once everything's moved.
- Most members complete their full switch in 7–14 days.
About Your Homecoming Checking.
How does the 5.00% APY actually work?
Should I choose High Yield Checking or Cash Back Checking?
What if I don't meet the monthly requirements one month?
How do I switch from my current bank?
Are there any monthly fees?
Who is eligible to open an account?
The Freedom Homecoming Promise
Real Earnings, Not Theater
5.00% APY isn't a teaser. It's our standard rewards rate when you meet the monthly activities.
A Real Local Person
You'll hear from a Freedom Advisor in Provo or Springville. Not a chatbot. Not a queue.
Zero Monthly Fees
No maintenance fee. No surprise charges. Just an account that pays you to use it.
Your Homecoming Is Waiting.
Open your Freedom account in minutes. A local officer will walk you through the switch — and you'll be earning 5.00% APY by the end of the month.
A local Freedom Advisor will follow up to walk you through next steps.