*The minimum balance to open an account and attain the stated Annual Percentage Yield (APY) is $500. APY is accurate as of 4/30/19 and is subject to change. A penalty may be imposed for early withdrawal. Fees may reduce earnings. In order to qualify for the special APY you must be an owner of an active checking account. An active checking account is an account that has had at least one deposit or withdrawal post and clear in the previous six months. If you do not meet the requirements, the 10 month certificate will earn 2.25% APY and the 16 month certificate will earn 2.40% APY. The maximum deposit to open the certificate account is $1,000,000. Offer is not available for Municipalities.