APY = Annual Percentage Yield. APYs shown are correct as of June 20, 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. A variety of 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. Rates shown are our best rates, such as those rates available to Platinum Star Members. Conditions and some restrictions may apply.