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Annual Percentage Yield (APY) effective as of 11/15/13 and subject to change without notice. Minimum opening deposit of $500 with a limit of $250,000. Certain restrictions may apply. Deposits are insured by the FDIC (Federal Deposit Insurance Corporation) for up to $250,000 per depositor and up to $250,000 for retirement accounts. Penalty may be imposed for early withdrawal.