* APY=Annual Percentage Yield. The annual percentage yields are effective as of the publication date and are subject to change. 15-month and 30-month Certificate of Deposit – Minimum deposit to open and earn interest is $500. A penalty may be imposed for early withdrawal. Other terms and conditions may apply. Fees may reduce earnings. FDIC insured. ** Power Advantage Checking – $500 minimum to open and $1000 minimum to earn interest. Power Advantage Checking has a monthly service charge of $14.00 that can be avoided by maintaining a combined balance of $50,000.00 from eligible personal deposit accounts. Rates may change after account opening.