*Dividends on savings and club accounts are paid monthly using the daily balance method, which applies a daily periodic rate to the balance. Dividend rates on IRA, Coverdell and Education, are tiered rate accounts and paid monthly using the daily balance method. Once a particular range is met, the dividend rate for that balance range will apply to the full balance on your account. Dividend rates on Money Market, HSA, and Maximizer accounts are tiered rate accounts and paid monthly using the daily balance method. Once a particular range is met, the dividend rate for that balance range will apply to the full balance on your account. Dividends on the Champion Club, Student Checking and Rewards Checking are paid monthly using the daily balance method with the listed rate on the balance within each individual range. Dividends on the Business Benefits checking are paid monthly on the average daily balance that applies a daily periodic rate to the weighted sum of daily balances for the month. Withdrawal of dividends will affect the quoted APY. Rates are subject to change.