At our discretion, we may change the interest rates for this account. Tier 1 – An interest rate of 0.150% will be paid only for that portion of your daily balance that is $20,000.01 or more. The annual percentage yield (APY) for this tier will range from 1.31% to 0.15%, depending on the balance in the account. Tier 2 – An interest rate of 1.300% will be paid on the entire portion of your daily balance that is less than $20,000.01. The annual percentage yield (APY) for this tier is 1.31%. The interest rates and annual percentage yields may change at any time. If requirements are not met in any qualification cycle, 0.05% APY will be earned.