Minimum balance of $1,000 required to earn the advertised APY. All rates subject to change at bank's discretion. A fee will be imposed for early withdrawals from CD's and IRA's. Early withdrawal fees on CD's and IRA's will reduce earnings. On variable rate CD's and IRA's, the rate may change after the account is opened. Fees on other accounts may also reduce earnings. "APY" means Annual Percentage Yield. CD rates are compounded QUARTERLY on maturities of one year or greater. CD rates under one year are compounded on maturity. Other deposit account rates are compounded MONTHLY.