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*Annual Percentage Yield accurate as of 01/01/12 and is only available to individuals in our market areas. Interest rate and APY are subject to change after account is opened. Minimum opening balance: $0. To earn stated rate account requires: One monthly electronic deposit (ACH or direct deposit), perform a minimum of 15 Beacon debit card purchases per month, must enroll and receive e-Statements. If account does not meet the monthly requirements as listed to earn stated interest rates, then the entire account balance will receive an alternative interest rate and APY of 0.25% for the month (this is a variable rate). Other restrictions may apply. Call for details. $250,000 balance has been assumed to calculate APY for $50,000 and above. Fees may reduce earnings. Only one account allowed per person.