Investment Rate Index - Time and Non-Time Accounts

*1.97% Annual Percentage Yield (APY) paid on daily balances between one penny and $25,000 each monthly statement cycle the minimum requirements are met. Daily balances greater than $25,000 will earn an APY ranging from 1.97% to 1.18% depending on the daily balance in the account. (The APY of 1.18% corresponds to an assumed daily balance of $50,000; the APY of 1.97% corresponds to an assumed daily balance of $25,000.01) If you do not meet the three requirements per cycle as stated above, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM fee refunds for that time period. If all account requirements are met during the qualification cycle, ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction, while those of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches.  In no circumstance, however, will the maximum reimbursement exceed $35.00 per qualification cycle.  APYs accurate as of 5/13/2013. We may change the interest rate and APY any time after the account is opened at our discretion.