*APY=Annual Percentage Yield. APY accurate as of 7/01/2018. Rates may change after account is opened. Qualifications to earn interest: 12 signature-based debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle; balances up to $10,000 receive APY of 3.00%; and balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.22% - 3.03% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Limit one account per SSN. Excludes business and commercial accounts.