(1) Member FDIC. APY= Annual Percentage Yield. Rate subject to change. If requirements met, rates quoted as of May 1, 2008, were the following: 4% APY on $0 - $50,000; 2% APY on dollars over $50,000 and up to $100,000; 0.04% APY on all deposits over $100,000 and non-qualifying accounts. (2) Free ATMs refers to ViewPoint Bank ATM fees only. ATM owner may still charge fee. (3) ViewPoint Custom Checks only. One box of checks per order. (4) Bill-pay considered active when at least one payment is processed per month.