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The $286 million McGraw-Hill Federal Credit Union has introduced a new account it said pays 16 times the current national average annual percentage yield on checking accounts, with no monthly fees or minimum balances.

The S3 Account enables consumers to “Save, Spend, and Simplify” and is currently paying 1%, and also includes monthly ATM surcharge rebates, said McGraw-Hill FCU, which serves about 19,500 members from its offices in East Windsor, N.J., and New York City.

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