1. The interest rate is 3.99% with an annual percentage yield (APY) of 4.07%, accurate as of 2-13-2026. The interest rate will be in effect for 6 months and subject to change thereafter.A minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.