*Thrive Checking earns 3.00% APY on first $1,500 of average daily balance. 0.01% APY on remaining account balance. Loan rate discount only applies to new loans. Certificate Rate Bump only applies to new certificates. Rates subject to change. Fees may reduce earnings. Loans subject to credit approval. Credit union membership at Avenir Financial is required and is established with a $5 Share Savings account at Avenir Financial.

¹Courtesy Pay: This service allows you to overdraw your account up to the disclosed limit to pay transactions. Fee: $32 per item. Limits are $200 for Aspire Checking and $700 for Thrive Checking. Eligibility: Members have option to activate after 30 days. Business members have option to activate after 60 days. Accounts must be in good standing and if negative, be brought into positive within 30 calendar days. If account does not remain in good standing, limit will be removed and debit card will be suspended. How it Works: Standard Coverage Courtesy Pay covers overdrafts caused by the following transactions: Check, ACH, recurring debit, Shared Branch, Online Bill Pay, Internet Telephone. Extended Coverage Courtesy Pay covers ATM and Avenir Financial Debit Card signature and PIN-based transactions.