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*APY = Annual Percentage Yield. Minimum $10,000 new money required. Account balance may not exceed $1,000,000 with the exception of future interest payments. Offer valid for personal and nonprofit clients only. There may be a penalty for early withdrawals. Fees may reduce earnings on accounts. All IRA certificates are subject to IRS tax regulations and penalties. Interest rates may change at any time, without prior notice, before an account is opened. Interest compounds quarterly and is credited quarterly. Effective as of July 9, 2018.