Rates are effective as of June 26, 2009.  You must maintain a minimum balance of $75,000 to earn the Annual Percentage Yield (APY)* of 2.02%.  The rate is variable and may change after the account is opened.  If your balance falls below $75,000, the APY is 1.51%; if it falls below $25,000, the APY is 1.00%.  InvestorsBankDirect provides information and access to financial services offered by InvestorsBank. To view our additional products click HERE.