Family of four playing in the grass
*Your interest rate and annual percentage yield may change. Tier 1: For an average monthly collected balance below $5,000, the interest rate is 0.00%. Tier 2: For an average monthly collected balance of $5,000 to $45,000, the interest rate is 0.80%. (Interest is paid on the entire balance.) For an average monthly collected balance over $45,000, the interest rate is 0.25%. (The portion $45,000 and below continues to earn 0.80%.) We may change the interest rate on your account at any time. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded daily. Interest will be credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest if the total accrued interest is less than $1.00. If you close your account within 90 days from the date you opened your account, you will be charged $10.00. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).E-statements are provided at no charge. Paper statements are available for a monthly charge of $5.00. We will reimburse you for all ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions and deposit them into your account at the end of each end-of-cycle period. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. Note: If you close your account, you will not receive reimbursements that have not yet been credited to your account.