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APY=Annual Percentage Yield. Rates may change after the account is opened. Minimum to open is $25.00. If qualifications are met each monthly qualification cycle: (1) Qualifying debit transactions must post to and settle accounts during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions; (2) Qualifying direct deposit transactions must post to and settle account during monthly qualification cycle; (3) Online banking login one time during qualification cycle; (4) Balances between $25 and $20,000 earn 3.04% APY. If qualifications are not met, all balances earn 0.0% APY. “Monthly Qualification Cycle” means a period beginning the first day of the current statement cycle through the last day of the current statement cycle. Limit one account per SSN