*4.10% Annual Percentage Yield (APY) paid on balances up to $25,000, and 0.75% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will receive the standard rate of 0.10% APY; however it will not receive ATM refunds for that time period. Rates as of 3-16-2010. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge. ATM fee refunds nationwide up to $50 per statement cycle when qualifications are met. $100 to open the account. Qualification cycle is the period beginning one business day prior to the current statement through one business day prior to the close of the current statement.