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The average collected balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
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You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank’s discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts. If you close your account before interest is credited you will not receive the accrued interest.
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APY refers to how much money you earn on a deposit over a year, taking into account compounding interest.
$100 minimum opening balance.
Other conditions and restrictions may apply. Terms may change without notice.
Deposit products offered by U.S. Bank National Association. Member FDIC.
Equal Housing Lender
U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402