| Rate Information | Your interest rate and annual percentage yield may change. |
| Frequency of Rate Changes | We may change the interest rate on your account at any time. |
| Determination of Rate | At our discretion, we may change the interest rate on your account. Check the Rates page for our current rates. |
| Compounding and Crediting Frequency | Interest will be compounded every quarter. Interest will be credited to your account every quarter. |
| Minimum Balance to Open the Account | You must deposit $50.00 to open this account. |
| Daily Balance Computation Method | We use the daily balance method to calculate the interest on your account. The daily balance method is defined as the application of a daily periodic rate to the full amount of principal in the account each day. The period we use is the quarter. |
| Accrual of Interest | Interest begins to accrue on the first business day after the banking day of your deposit. |
