To qualify for the high interest rate on this account, each month you must make 12 debit card purchases, have one direct deposit or ACH auto debit/credit, and sign up for eStatements. If you meet these three qualifications by the end of the calendar month, you will receive the higher interest. If not you will receive our default rate. You will receive an email at the beginning of each month informing you of whether you qualified for the higher interest, or which qualifications you missed. For tips on how to meet the qualifications each month, check out our Co-op Advantage LARGE Print.