*APY expressed as Annual Percentage Yield. For additional info, see our Truth In Savings Disclosure for Savings Accounts . Accounts earn dividends on the daily account balance, and are posted monthly to the account excluding Certificates. Accounts closed prior to the end of the month will not receive a dividend. Account minimum balance to earn dividends: Money Market Account $2,500; VIP Money Market Account $50,000; Platinum Money Market Account $75,000. Minimum withdrawal amount: Money Market Accounts and VIP Money Market Accounts $500; Platinum Money Market Account $1,000. Premature withdrawals are subject to penalty. Fees may reduce earnings.