 So why did the chicken cross the road? To switch to Pacific Crest, of course. The 7% annual percentage yield applies to the first $10,000 of the balance and 7.00 to 2.34% APY for balances greater than $10,000. In order to earn the dividends each month, you must use your debit card for purchases 15 times during the month. Be signed up for e-statements. Stay current with any loans with Pacific Crest and maintain $5 in a membership savings account. Restrictions may apply. Membership is required and subject to approval. Federally insured by NCUA. That was a lot of chicken puns. We regret nothing.