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*  Annual Percentage Yield (APY) is accurate and effective as of November 23, 2009 and may change without notice. 3.33% APY paid on personal account balances between one penny and $30,000 each cycle account meets minimum requirements of having direct deposit or ACH, e-statement, and 10 debit card transactions. 1.15% APY paid on personal account balances greater than $30,000 when same requirements are met. If minimum requirements are not met, account will still earn .10% APY regardless of balance.  Fees may reduce earnings.