APY=Annual Percentage Yield. APYs accurate as of 2/1/2018. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction up to a maximum of $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.56%; and (3) balances over $10,000 earn 0.50% APY interest rate on portion of balance over $10,000, resulting in 3.56% - 0.50% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Refer to the monthly qualification cycle calendar. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.