* Annual Percentage Yield (APY). To open the account, you must deposit at least $50.00. $10,000 minimum balance required to avoid $10 service charge. Fees may reduce earnings. You must maintain a minimum average daily balance of $10,000 to obtain the disclosed APY. On February 11, 2019 the interest rate and APY will be 0.10% for accounts with a balance ranged of $01.-$10,000. For accounts with a balance range of $10,000.00+, the interest rate and APY will be 1.00%. Please contact us if you would like more current rate and yield and information. Your interest rate and APY may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account every day. Interest will be compounded and credited to your account quarterly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). During any month you may not make more than 6 (or 18 per statement cycle) withdrawals or transfers  to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, debit card, or similar order to a third party.