Minimum: $5000.00 Interest Rate: 3.70% Annual Percentage Yield* (APY): 3.75% Compounds Quarterly Automatically renews for 1 year at current rate 3 month penalty of interest for early withdraw * Annual Percentage Yield (APY) Accurate as of November 6, 2008 * The minimum balance to open the account and obtain the APY is $5,000.00