* Annual Percentage Yields (APY) and dividend rates are established monthly by the credit union's board of directors. All dividends are compounded monthly. The dividend rate and APY were accurate as of 3/1/2015. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. The minimum opening deposit is $2,500. There is no minimum balance requirement to obtain the APY. If the account balance does not maintain an average of $2,500 monthly balance, a $5 fee will be assessed.