*Annual Percentage Yield (APY) is accurate as of 9/29/2023. This is a variable rate account and the interest rates and APYs may change at any time. Fees may reduce earnings. $0 minimum to open and $0.01 minimum balance to earn stated APY. To earn premium rate, account requirements must be met. Account requirements include, 12 debit card (POS) transactions of $10 or more to post and clear each statement cycle, and receiving e-statements. If the requirements are not met, the APY is 0.05%. For balances in excess of $10,000, the APY is 0.05%. Total deposit and loan relationship is defined as the combined balance in all personal deposit and loan accounts. $250 off charged closing costs on owner-occupied 1st mortgage loans.