The above Basic Savings interest rates and Annual Percentage Yields (APYs) are accurate as of 3/6/2015 12:00:00 AM. This is a variable rate account. Interest rates and APYs are subject to change without notice. The required minimum opening deposit is $50. For any month in which the account's average daily balance falls below $50, a $5 fee applies. Fees may reduce earnings. The Basic Savings account is available to residents of Rhode Island with no minimum opening deposit and no monthly maintenance fee. To apply for this product, Rhode Island residents should call 1-877-790-8967 to speak to a Concierge representative. Florida residents may apply by visiting their local Financial Center or may call 1-877-790-8967 to speak to a Concierge representative.