Rates are effective as of September 3, 2010.  You must maintain a minimum balance of $250,000 to earn the Annual Percentage Yield (APY)* of 1.51%.  The rate is variable; all disclosed rates may change after the account is opened. If your balance falls below $250,000, the APY is 1.21%; if it falls below $100,000, the APY is 1.06% and 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 and disclosures click HERE.