Offer available to AZ, CO, IL, MI, and WI residents for personal accounts opened in braches located in each of these states. Annual Percentage Yield (APY) is accurate as of 10/5/2018. APY tiers: $2,000,000+ = 0.25%; $10,000.00 to $1,999,999.99 = 2.25% APY $1,000 - $9,999.99 = 0.05% APY; $0.01 - $999.99 = 0.00% APY. Rate is calculated based on total collected balance. Monthly transaction limitations apply. $1,000 minimum balance to avoid a monthly maintenance fee of $10. Other fees may apply, including an excessive withdrawal fee for each transfer/withdrawal that exceeds six per monthly statement period. Fees may reduce earnings.