Rates & Fees

Checking
Type of Account	Account Features	Rate	APY*
Type of Account Everyday Checking	Account Features No minimum balance; no maintenance fees	Rate N/A	APY* N/A
Type of Account Cashback Account	Account Features No minimum balance; no maintenance fees	Rate N/A	APY* N/A
Type of Account Dividend Checking	Account Features For average daily balance of $1,000 and greater	Rate 0.05%	APY* 0.05%
Type of Account Fresh Start Account	Account Features No minimum balance	Rate N/A	APY* N/A
Type of Account Teen Account	Account Features No minimum balance; no maintenance fees	Rate N/A	APY* N/A

Savings Dividends & IRA Accounts
Type of Account	Average Daily Balance	Rate	APY*
Type of Account Savings Dividend	Average Daily Balance $100 – $999.99	Rate 0.05%	APY* 0.05%
Type of Account Savings Dividend	Average Daily Balance $1,000 and greater	Rate 0.10%	APY* 0.10%
Type of Account IRA Savings Account	Average Daily Balance $100 – $9,999.99	Rate 0.20%	APY* 0.20%
Type of Account IRA Savings Account	Average Daily Balance $10,000 and greater	Rate 0.25%	APY* 0.25%

Daily Money Savings Account
Average Daily Balance	Rate	APY*
Average Daily Balance $1,000 – $2,499.99	Rate 0.50%	APY* 0.50%
Average Daily Balance $2,500 – $9,999.99	Rate 0.50%	APY* 0.50%
Average Daily Balance $10,000 – $24,999.99	Rate 0.75%	APY* 0.75%
Average Daily Balance $25,000 – $49,999.99	Rate 0.90%	APY* 0.90%
Average Daily Balance $50,000 – $99,999.99	Rate 1.04%	APY* 1.05%
Average Daily Balance $100,000 – $149,999.99	Rate 1.04%	APY* 1.05%
Average Daily Balance $150,000 – $249,999.99	Rate 1.09%	APY* 1.10%
Average Daily Balance $250,000 and greater	Rate 1.09%	APY* 1.10%

Health Savings Account
Average Daily Balance	Rate	APY*
Average Daily Balance $100 – $999.99	Rate 0.05%	APY* 0.05%
Average Daily Balance $1,000 and greater	Rate 0.10%	APY* 0.10%

Other Savings Accounts
Type of Account	Account Features	Rate	APY*
Deposit rates are accurate as of 10/1/2024 and subject to change. **Penalty may apply for early withdrawal. Fees may reduce earnings.
Type of Account Christmas Club**	Account Features No minimum deposit required; dividends paid on average daily balance	Rate 0.12%	APY* 0.12%
Type of Account Summer Savings Club**	Account Features No minimum deposit required; dividends paid on average daily balance	Rate 0.12%	APY* 0.12%
Type of Account Youth Savings	Account Features For average daily balance of $25 and greater	Rate 0.10%	APY* 0.10%
Type of Account Vacation Account	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Special Savings	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Insurance Account	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Escrow Account	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Loan Savings	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Pledged Savings	Account Features For average daily balance of $100 and greater	Rate 0.05%	APY* 0.05%
Type of Account Round-Up Savings Account	Account Features For average daily balance of $100 and greater	Rate .05%	APY* .05%
Type of Account Bill Payment Savings Account	Account Features No minimum deposit required	Rate None	APY* None

Investor and IRA Certificate Specials
Term	Minimum Deposit	Rate	APY*
Promotional seven-month and 30-month certificates require opening deposit of at least $1,000. Certificate specials automatically renew to the next available shorter regular term at the time of maturity. Promotional certificate offers may end without notice. Certificate specials are not eligible for jumbo rates.
Term 7 months	Minimum Deposit $1,000	Rate 4.18%	APY* 4.25%
Term 30 months	Minimum Deposit $1,000	Rate 3.45%	APY* 3.50%

Starter Certificates
Term	Rate	APY*
Term 1 year	Rate 0.10%	APY* 0.10%
Term 2 year	Rate 0.25%	APY* 0.25%
Term 3 Year	Rate 0.30%	APY* 0.30%

Investor and Individual Retirement Account Certificates
Term	Rate	APY*
Certificate rates are accurate as of 9/24/2024 and subject to change. Penalty may apply for early withdrawal. For Investor and IRA certificates, the early withdrawal penalty depends on the term of the certificate. For terms of 12 months or less, the penalty is 90 days dividends; for terms greater than 12 months, the penalty is 180 days dividends. Fees may reduce earnings. Jumbo rates are available for Investor and IRA Certificate accounts with aggregate certificate balances of $50,000 or greater. Visit your nearest branch or call our Member Service Center at 800-724-9282 to learn more. Minimum deposit for all Investor and IRA Certificates is $1,000.
Term 6 months	Rate 0.20%	APY* 0.20%
Term 12 months	Rate 0.25%	APY* 0.25%
Term 18 months	Rate 0.25%	APY* 0.25%
Term 24 months	Rate 0.35%	APY* 0.35%
Term 36 months	Rate 0.40%	APY* 0.40%
Term 48 months	Rate 0.45%	APY* 0.45%
Term 60 months	Rate 0.50%	APY* 0.50%

New and Used Vehicle — 2023 & Newer Model Years
Term	APR^ as low as
Minimum loan amount for terms of 67 to 72 months is $15,000. *Minimum loan amount for terms of 73 to 84 months is $25,000.
Term Up to 36 months	APR^ as low as 6.14%
Term 37 to 60 months	APR^ as low as 6.49%
Term 61 to 72 months**	APR^ as low as 6.64%
Term 73 to 84 months***	APR^ as low as 7.39%

Used Vehicle — 2022 Model Years
Term	APR^ as low as
Minimum loan amount for terms of 67 to 72 months is $15,000. *Minimum loan amount for terms of 73 to 84 months is $25,000.
Term Up to 60 months	APR^ as low as 6.64%
Term 61 to 72 months**	APR^ as low as 7.04%
Term 73 to 84 months***	APR^ as low as 7.99%

Used Vehicle — 2020-2021 Model Years
Term	APR^ as low as
**Minimum loan amount for terms of 67 to 72 months is $15,000.
Term Up to 60 months	APR^ as low as 6.84%
Term 61-66 months	APR^ as low as 7.04%
Term 67 to 72 months**	APR^ as low as 7.04%

Used Vehicle — 2018-2019 Model Years
Term	APR^ as low as
Term Up to 48 months	APR^ as low as 7.34%
Term 49-60 months	APR^ as low as 7.44%
Term 61 to 66 months	APR^ as low as 7.84%

Used Vehicle — 2017 & Older Model Years
Term	APR^ as low as
Term Up to 60 months	APR^ as low as 8.24%

Recreational Vehicle — Boats, Campers & RVs
Model Year	Term	APR^ as low as
Model Year 2022 and Newer	Term Up to 36 months	APR^ as low as 7.49%
Model Year 2022 and Newer	Term 37 to 60 months	APR^ as low as 7.49%
Model Year 2022 and Newer	Term 61 to 120 months	APR^ as low as 8.49%
Model Year 2022 and Newer	Term 121 to 144 months	APR^ as low as 8.69%
Model Year 2021 and Older	Term Up to 60 months	APR^ as low as 7.49%
Model Year 2021 and Older	Term 61 to 120 months	APR^ as low as 8.49%

Recreational Vehicle — Motorcycles, Personal Watercraft, Golf Carts, Snowmobiles & ATV
Model Years	Term	APR^ as low as
Model Years 2022 and Newer	Term Up to 36 months	APR^ as low as 7.70%
Model Years 2022 and Newer	Term 37 to 60 months	APR^ as low as 7.95%
Model Years 2021 and Older	Term Up to 60 months	APR^ as low as 8.75%

Lawn & Garden Equipment, Tractor, and Utility Trailer Loans
Term	APR as low as
Vehicle/RV Rates: Stated APRs are the lowest available for the model years and terms listed. Your loan rate will be determined by your credit score, model year of vehicle, term of loan, and repayment method. All loan rates quoted as annual percentage rates. GAP coverage is available for new or used vehicles including cars, vans, light trucks, new or used power sport vehicles. Ask for details. Recreational vehicles may be subject to a $20 lien filing fee. Vehicle/RV and Other Loan Rates: Listed rates require automatic recurring payments from a Reliant account or another institution (external account). Member responsible for any fees or limitations associated with external accounts. If payment coupons are requested, rates will increase by 0.50%. Existing Reliant loans and mortgage-related products are not eligible for buyout loan rate. Loan rates are current as of 10/1/2024 and are subject to change without notice. Membership eligibility required.
Term Up to 60 months	APR as low as 7.25%

Mortgages

To find out our current mortgage rates, please call us at 800-724-9282.

Home Equity Lines of Credit and Home Equity Loans
Loan Type	Terms	Minimum Advance or Loan	Maximum Advance or Loan	Intro APR^	APR^ as Low As
Loan rates are current as of 10/1/2024 and are subject to change without notice. **Stated Annual Percentage Rate (APR) applies to automatic payment for terms listed above. Your APR will be based on your credit score, lien position, term of loan, and repayment method. Rates are subject to change without notice.
Loan Type Home Equity Line of Credit (Prime Plan)	Terms 10-year draw, 15-year repayment period	Minimum Advance or Loan $15,000	Maximum Advance or Loan $300,000	Intro APR^ Three-month introductory rate of 0.00%	APR^ as Low As 8.50%
Loan Type Home Equity Line of Credit (Prime Plus Plan)	Terms 10-year draw, 15-year repayment period	Minimum Advance or Loan $5,000	Maximum Advance or Loan Less than $40,000	Intro APR^ Three-month introductory rate of 0.00%	APR^ as Low As 9.49%
Loan Type Home Equity Installment Loan**	Terms Up to 60 months	Minimum Advance or Loan $7,500	Maximum Advance or Loan N/A	Intro APR^ N/A	APR^ as Low As 6.99%
Loan Type Home Equity Installment Loan**	Terms 61 to 120 months	Minimum Advance or Loan $7,500	Maximum Advance or Loan N/A	Intro APR^ N/A	APR^ as Low As 7.39%
Loan Type Home Equity Installment Loan**	Terms 121 to 180 months	Minimum Advance or Loan $7,500	Maximum Advance or Loan N/A	Intro APR^ N/A	APR^ as Low As 7.99%

Home Improvement Loans
Loan Type	Terms	Minimum Loan	Maximum Loan	APR^ as Low As
Loan Type Home Improvement Loan	Terms Up to 60 months	Minimum Loan N/A	Maximum Loan $35,000	APR^ as Low As 8.24%
Loan Type Home Improvement Loan	Terms 61 to 120 months	Minimum Loan N/A	Maximum Loan $35,000	APR^ as Low As 9.24%

Visa Credit Cards
Credit Card	Intro APR^	Regular APR^ as Low As
1 APR = Annual Percentage Rate. 0.00% APR intro rate applies to purchases and balance transfers completed for 12 months from the date the account is opened. After that date, all balances will be subject to a variable rate. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The Index may change quarterly. Your variable rate will not exceed 18.00% APR. The 0.00% APR does not apply to balance transfers of existing Reliant Visa credit card balances. The APR is accurate as of 8/1/2024. 2 APR = Annual Percentage Rate. 0.99% APR intro rate applies to all purchase, balance-transfer, and cash advance transactions completed for six months from the date the account is opened. After that date, all balances will be subject to the variable rate. The 0.99% APR does not apply to balance transfers of existing Reliant Visa credit card balances. Your variable rate is determined by an index and a percentage amount above the index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The APR is accurate as of 8/1/2024. All loan terms, conditions, and interest rates are subject to change. All Reliant loans are subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.
Credit Card Visa Signature^® Rewards Credit Card	Intro APR^ 0.00% for 12 months¹	Regular APR^ as Low As 17.50%
Credit Card Visa Platinum Credit Card	Intro APR^ 0.99% for six months²	Regular APR^ as Low As 12.75%

Business Visa Credit Cards
Credit Card	Intro APR^	Regular APR^ as Low As
**4.95% APR applies to all purchase, balance transfers, and cash advance transactions completed on accounts opened for six months from the date the account is opened.. After that date, all balances will be subject to the variable rate. The 4.95% APR does not apply to balance transfers of existing Reliant Visa credit card balances. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The APR is accurate as of 8/1/2024. All loan terms, conditions, and interest rates are subject to change. All Reliant loans are subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.
Credit Card Visa Platinum Credit Card	Intro APR^ 4.95% for 6 months**	Regular APR^ as Low As 13.39%

Personal Loans
Loan Type	Terms	APR^
Loan Type Personal Loan (Unsecured)	Terms Up to 36 months	APR^ 9.49%
Loan Type Personal Loan (Unsecured)	Terms 37 to 48 months	APR^ 9.99%
Loan Type Personal Loan (Unsecured)	Terms 49 to 60 months	APR^ 10.49%
Loan Type Share Secured	Terms Up to 60 months	APR^ Pledged Share rate 2.00%
Loan Type Certificate Secured	Terms Up to 60 months	APR^ Pledged CD rate 2.00%

Other Loans
Loan Type	Terms	APR^
Listed rates require automatic recurring payments from a Reliant account or another institution (external account). Member responsible for any fees or limitations associated with external accounts. If payment coupons are requested, rates will increase by 0.50%. Existing Reliant loans and mortgage-related products are not eligible for buyout loan rate. Loan rates are current as of 10/1/2024 and are subject to change without notice. Membership eligibility required.
Loan Type Overdraft Line of Credit	Terms Available with checking account	APR^ 18.00%

Business Checking
Type of Account	Minimum Balance	Rate	APY*
Type of Account BASIC Business Checking	Minimum Balance For average daily balance of $2,500 and greater	Rate 0.05%	APY* 0.05%
Type of Account VALUE Business Checking	Minimum Balance No minimum balance; no maintenance fees	Rate N/A	APY* N/A
Type of Account DIVIDEND Business Checking	Minimum Balance For average daily balance of $10,000 and greater	Rate 0.05%	APY* 0.05%
Type of Account Non-Profit (Association) Checking	Minimum Balance For average daily balance of $2,500 and greater	Rate 0.05%	APY* 0.05%

Business Visa Credit Cards
Credit Card	Intro APR^	Regular APR^ as Low As
**4.95% APR applies to all purchase, balance transfers, and cash advance transactions completed on accounts opened for six months from the date the account is opened.. After that date, all balances will be subject to the variable rate. The 4.95% APR does not apply to balance transfers of existing Reliant Visa credit card balances. Your variable rate is determined by an Index and a percentage amount above the Index called the margin. Your margin is based on a six-month review of your credit history. The margin will be assigned every six months and will remain in effect until the next credit review. The Index is based on the highest Prime Rate published in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. The APR is accurate as of 8/1/2024. All loan terms, conditions, and interest rates are subject to change. All Reliant loans are subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.
Credit Card Visa Platinum Credit Card	Intro APR^ 4.95% for 6 months**	Regular APR^ as Low As 13.39%

Business Auto Loans

New and Used Vehicle — 2023 & Newer Model Years
Term	APR^ as low as
Minimum loan amount for terms of 67 to 72 months is $15,000. *Minimum loan amount for terms of 73 to 84 months is $25,000.
Term Up to 36 months	APR^ as low as 6.14%
Term 37 to 60 months	APR^ as low as 6.49%
Term 61 to 72 months**	APR^ as low as 6.64%
Term 73 to 84 months***	APR^ as low as 7.39%

Used Vehicle — 2022 Model Years
Term	APR^ as low as
Minimum loan amount for terms of 67 to 72 months is $15,000. *Minimum loan amount for terms of 73 to 84 months is $25,000.
Term Up to 60 months	APR^ as low as 6.64%
Term 61 to 72 months**	APR^ as low as 7.04%
Term 73 to 84 months***	APR^ as low as 7.99%

Used Vehicle — 2020-2021 Model Years
Term	APR^ as low as
**Minimum loan amount for terms of 67 to 72 months is $15,000.
Term Up to 60 months	APR^ as low as 6.84%
Term 61-66 months	APR^ as low as 7.04%
Term 67 to 72 months**	APR^ as low as 7.04%

Used Vehicle — 2018-2019 Model Years
Term	APR^ as low as
Term Up to 48 months	APR^ as low as 7.34%
Term 49-60 months	APR^ as low as 7.44%
Term 61 to 66 months	APR^ as low as 7.84%

Used Vehicle — 2017 & Older Model Years
Term	APR^ as low as
Term Up to 60 months	APR^ as low as 8.24%

Business Fees
	BASIC Business Checking	VALUE Business Checking	DIVIDEND Business Checking	Nonprofit Organization Checking
¹A fee will be charged based on the difference between your available balance and the amount of the item. A difference under $10.00 will incur a $1.00 fee. A difference from $10.00 to $34.99 will incur a $10.00 fee. A difference of $35.00 and up will incur a $35.00 fee. Refer to share accounts fees for fees related to other miscellaneous services. Deposit rates are accurate as of 10/1/2024 and subject to change. Annual Percentage Rate (APR) applies with automatic payment option for model years 2019-2020 with 36 monthly payments of $28.81 per $1,000 borrowed as of 10/1/2024. 6.14% APR applies to any business vehicle classified as one (1) ton and under. Your vehicle loan rate will be determined by the credit score of the guarantor(s), model year of vehicle, term of loan, and payment method. Other great rates and terms available. Reliant Community Federal Credit Union is an Equal Opportunity Lender. All loans subject to approval and must meet credit-granting terms and conditions. Membership eligibility required.
Monthly Maintenance Fee	BASIC Business Checking $7.50	VALUE Business Checking None	DIVIDEND Business Checking $10.00	Nonprofit Organization Checking None
Average Monthly Balance to Avoid Monthly Maintenance Fee	BASIC Business Checking N/A	VALUE Business Checking None	DIVIDEND Business Checking $5,000	Nonprofit Organization Checking None
Per-Item Charges	BASIC Business Checking	VALUE Business Checking	DIVIDEND Business Checking	Nonprofit Organization Checking
# FREE Transactions Details	BASIC Business Checking For checks written (see below) No fee for items deposited (unlimited)	VALUE Business Checking 300 FREE monthly transactions including checks written and items deposited	DIVIDEND Business Checking 150 FREE monthly transactions including checks written and items deposited	Nonprofit Organization Checking Unlimited FREE transactions including checks written and items deposited
Per Transaction Fee (After Exceeding Free Transaction Limit)	BASIC Business Checking $0.15 for each check written (all checks written are charged)	VALUE Business Checking $0.30	DIVIDEND Business Checking $0.30	Nonprofit Organization Checking None
Courtesy Pay/Insufficient Funds Item	BASIC Business Checking $1/$10/$35¹	VALUE Business Checking $1/$10/$35¹	DIVIDEND Business Checking $1/$10/$35¹	Nonprofit Organization Checking $1/$10/$35¹
Return of Deposited Item	BASIC Business Checking $20	VALUE Business Checking $20	DIVIDEND Business Checking $20	Nonprofit Organization Checking $20
Stop Payment	BASIC Business Checking $35	VALUE Business Checking $35	DIVIDEND Business Checking $35	Nonprofit Organization Checking $35
Protest	BASIC Business Checking $20	VALUE Business Checking $20	DIVIDEND Business Checking $20	Nonprofit Organization Checking $20
Item Presented for Collection	BASIC Business Checking $15	VALUE Business Checking $15	DIVIDEND Business Checking $15	Nonprofit Organization Checking $15
Currency Order (Per $1,000, Starting at $5,000)	BASIC Business Checking $0.50	VALUE Business Checking $0.50	DIVIDEND Business Checking $0.50	Nonprofit Organization Checking $0.50

Fees
Fees	Amount of Fee
¹A fee will be charged based on the difference between your available balance and the amount of the item. A difference under $10.00 will incur a $1.00 fee. A difference from $10.00 to $34.99 will incur a $10.00 fee. A difference of $35.00 and up will incur a $35.00 fee.
Fees ACH Stop Payment	Amount of Fee $35
Fees ATM Withdrawals and Inquiries	Amount of Fee
Fees All Reliant owned machines	Amount of Fee No charge
Fees Non-Reliant machines	Amount of Fee 5 free/month, then $2.00 per transaction
Fees Bill Payer Service	Amount of Fee Free
Fees Bill Payer Stop Payment	Amount of Fee $25
Fees Certified Mail Fee	Amount of Fee $5
Fees Check Payment by Phone	Amount of Fee $5/transaction
Fees Check Printing	Amount of Fee Varies by style
Fees Coin Counter	Amount of Fee 5% of amount
Fees Copy of Check written on your account	Amount of Fee
Fees (or official check)	Amount of Fee Free
Fees Online	Amount of Fee Free
Fees Copy of Member Statement	Amount of Fee Free
Fees Courtesy Pay	Amount of Fee $1/$10/$35¹
Fees Escheat Fee	Amount of Fee $50
Fees External Transfer Fee	Amount of Fee Free
Fees Foreign Checks Processed (Excludes Canadian Checks)	Amount of Fee $30
Fees Inactivity Fee	Amount of Fee $10/month after 12 months of inactivity*
Fees IRA Transfer/Rollover Fee	Amount of Fee $30
Fees IRA/HSA Termination Fee	Amount of Fee $30
Fees Insufficient/Uncollected Funds Items	Amount of Fee $1/$10/$35¹
Fees Legal Action Compliance (Levies, Orders, Subpoenas, etc.)	Amount of Fee $100
Fees Money Orders	Amount of Fee $3
Fees Stop Payment / Replacement	Amount of Fee $25
Fees Mortgage Subordination Fee	Amount of Fee $200
Fees Notary Service	Amount of Fee Free
Fees Official Checks	Amount of Fee $5
Fees Overnight Mail Fee	Amount of Fee $32
Fees Stop Payment / Replacement	Amount of Fee $25
Fees Overdraft Protection from Savings	Amount of Fee $1/transfer
Fees Popmoney Standard Delivery	Amount of Fee Free
Fees Protested Item	Amount of Fee $20
Fees Real Estate - Partial Release of Collateral	Amount of Fee $200
Fees Returned Mail Fee	Amount of Fee $10
Fees Returned Payment Loan/Checks by Phone	Amount of Fee $20
Fees Rush Fee for Card Replacement	Amount of Fee $30
Fees Stop Payment Order	Amount of Fee $35
Fees Temporary Checks	Amount of Fee 8 free at account opening then 25¢ each page
Fees Vinyl Deposit Bag	Amount of Fee Free
Fees Wire Transfers:	Amount of Fee
Fees Incoming Domestic	Amount of Fee $15
Fees Outgoing Domestic	Amount of Fee $25

Non-Member Fees
Fees	Amount of Fees
Fees are current and subject to change. Some fees are waived if you participate in a special Reliant program. Fees may reduce earnings. *A $10 inactivity fee will be applied to accounts that do not have transactions for 12 months or more and have a balance of less than $500. Balances will be transferred to the savings dividend account and the fee will be taken from the savings dividend account. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Membership eligibility required.
Fees ATM Withdrawals	Amount of Fees $3
Fees Check Cashing	Amount of Fees $5 or 1% of check amount, whichever is greater
Fees Notary Service	Amount of Fees $2

Printable Checking & Savings Rates | Certificate Rates | Loan Rates

Disclosures

* APY = ANNUAL PERCENTAGE YIELD.

The rates may change after the account is opened.

^ APR = ANNUAL PERCENTAGE RATE.