Annual Percentage Yields (APYs) accurate as of 12/01/2017 and are variable and subject to change without notice. Fees may reduce earnings. Minimum balance to open a Personal Savings Account is $100. APYs and balance tier amounts associated with the end-of-day balance for the purpose of paying interest on a Personal Savings Account are: 0.05 % APY on balances below $1,000; 0.05 % APY on balances of $1,000 to $4,999; 0.05 % APY on balances of $5,000 to $9,999; 0.15 % APY on balances of $10,000 to $24,999; 0.20 % APY on balances of $25,000 to $49,999; 0.35 % APY on balances of $50,000 to $99,999; 0.40 % APY on balances of $100,000 - $9,999,999; 0.40 % APY on balances of $10,000,000 +. Monthly service fee of $3 will be waived if you 1) maintain a $1,000 average monthly balance, elect to receive eStatements, account holder is a Senior (at least 55 years of age), one of the account holders is a minor (less than 18 years old).