The Annual Percentage Yield (APY) is effective as of December 20, 2018. The APY is equal to 75% of the current Upper Bound Fed Funds Target Rate. Interest rate and APY will change based on the current Upper Bound Fed Funds Target Rate. Minimum deposit of $20,000 new money required. New money is defined as monies that have not been on deposit with the S&T Bank in the past thirty days. A monthly maintenance fee of $15 will be assessed if $10,000 minimum daily balance is not maintained. The account has a maximum of six (6) third party transactions permitted per month. This is a variable rate account. This account is not available for public funds. Interest rate and APY may change without prior notice. Fees may reduce earnings.