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*Annual Percentage Yield (APY) accurate as of 09/20/2018. Rate tiers are as follows: 2.02% APY applies to balances of $.01 - $15,000 and 0.43% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 2.02% APY to 0.43% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra?bank transfers do not count as qualifying transactions.

**Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle.