Money Market accounts are variable rates. Each balance tier described above reflects the minimum daily balance required to obtain the applicable APY. The APY and interest rate offered may be the same in one or more balance tiers, and the APY and interest rate within one or more balance tiers may change at any time without notice after the account is opened. Fees may reduce earnings. Certain types of transfers and withdrawals are limited to six (6) per month, a fee is assessed for each withdrawal or transfer exceeding the limit.
Certificate of Deposit accounts are fixed rate, fixed term accounts. The applicable APY and interest rate depend on the balance tier and term of the account as described above, and apply to the initial term. The APY assumes all interest and principal remain on deposit until maturity. The APY and interest rate may change without notice until the account is opened. A penalty is imposed for early withdrawal. Fees may reduce earnings.