*The Annual Percentage Yields (APYs) are effective November 1, 2019 and are variable and subject to change without notice and may change after the account is opened. You must maintain the minimum daily balance listed in the account disclosure, if any, to earn the advertised APY. Tier 1 – If your daily balance is less than or equal to $5,000.00, the interest rate paid on the entire balance in your account will be 0.01% with an annual percentage yield of 0.01%.  Tier 2 – If your daily balance is $5,000.00, but less than or equal to $100,000.00, the interest rate paid on the entire balance in your account will be 0.80% with an annual percentage yield of 0.80%.  Tier 3 – If your daily balance is greater than $100,000.00, the interest rate paid on the entire balance in your account will be 1.00% with an annual percentage yield of 1.00%. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflect the full tier balance ranges for each appropriate tier. All deposits are FDIC insured to at least $250,000. SIF insures all additional deposits.