*Annual Percentage Yield. To maintain the stated premium APY, the following requirements must be met within 60 days of certificate opening: (1) open a checking account (2) set-up direct deposit of social security benefits or payroll funds (3) enroll in online banking (4) sign-up for E-statements. If all requirements are not met by 60th day yield will convert to standard 1 year APY of 1.50%. The minimum balance to open and earn APY is $500 and may not consist of money already on deposit. A penalty will be imposed for early withdrawal. APY effective April 23, 2019 and is subject to change at any time. This account will automatically renew for a 1 year term at the then current APY.