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1APY = Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 2.50%; and balances over $50,000 earn 0.20% dividends on portion of balance over $50,000, resulting in 2.50% to 0.97% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is the 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household
2Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.