APY = Annual Percentage Yield. APYs shown are correct as of April 1, 2008, and are subject to change or end at anytime without notice.  See our Account Disclosures or ask a representative for complete details. These special rates cannot be used in conjunction with any other offer. You must maintain a minimum daily balance in your account(s) each day to obtain the disclosed APYs. Fees could reduce the earnings on your account(s). Membership eligibility is required. Other conditions may apply. For the stated CD or IRA CD APY, a minimum of $500 is required to open the CD (or IRA CD) account with an available term of 5 months; at maturity this CD will rollover to normal 6-month CD rate. You will have a grace period of ten calendar days after maturity to make changes to the CD or withdraw the funds without being charged an early withdrawal penalty. A variety of other CD, Savings and IRA Savings Account rates and terms are available. For some accounts, such as CDs, a penalty may be imposed for early withdrawal. For Money Market Accounts, certain limitations may apply to the nature and number of monthly transactions; a $10 monthly fee applies for balances under $2,500; a $5 per item fee applies when you have more than 3 checks or withdrawals in a month. The Money Market Account is a tiered account. For the stated APY, the required minimum daily balance is $95,000. Other APYs are available for lower balances.