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The “APY” or Annual Percentage Yield is the rate of return on an interest-bearing account for a one-year period based on the interest rate and frequency of compounding, as well as the assumption that funds, including interest paid, remain on deposit for a full year.
The APY for an account pays a variable interest rate (i.e., an interest rate that may change after the account has opened) is a hypothetical rate that assumes that the interest rate will not change, although, in fact, it may change in accordance with the features and terms of the account. The current APY for a particular account is located on the specific product page. Learn More.
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