1 Only one account owner is required to meet the age qualifying criteria if the account is jointly owned.
2 Refer to the Club 55 Rates & Fees for examples of how interest is calculated.
3 Interest determined by loan amount.
Rates quoted are current at date of issue and may change without notice. Interest is calculated daily and paid on the last day of the month except where stated. Interest is calculated on the entire balance of each account at the applicable rate, except for the Club 55 Account where interest is calculated on the portion of the account balance in each interest tier. No interest is paid where the balance falls below the lowest tier shown for each account.