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The disclosed APY is effective as of May 1, 2023. Must have {随机内容}.01 in Savings Pods to earn either 0.25% APY or 4.00% APY on the portion of balances up to 00 per Savings Pod, up to 00 total. The remaining balance earns 0.00% APY. Qualifying direct deposit of more than 0 required for 4.00% APY. No minimum balance required. flowcv login