*Annual Percentage Yield (APY) effective as of 8/28/18 and subject to change. Offer is not available for Municipalities or Individual Retirement Accounts. Minimum $500 deposit required to open the account and earn the APY. Funds used to open the account must not currently be on deposit at Savings Institute Bank & Trust. Maximum deposit $1,000,000. You can withdraw your full balance and interest any time after the first 6 days following the date you funded the account. One early withdrawal is allowed per 17-month term. Additional early withdrawals are subject to substantial penalties. Fees may reduce earnings on the account.