*APY = Annual Percentage Yield. APR=Annual Percentage Rate. Holiday Savings, Youth Savings Accounts and Save-4-It accounts earn interest and have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time. Holiday Savings Accounts: all funds will be transferred to the member’s draft account on or after November 1st of each year. If you make a withdrawal at ANY TIME before November 1st, ALL accrued interest will be forfeited and the account will be closed. Youth Savings Accounts earning 6%, 7%, or 10% APY will be paid at 5.84%, 6.78% & 9.57% APR, respectively, on the first $500. The remainder will be paid at the applicable rate. TRUE Student Share Accounts earning 6% or 10% APY will be paid at 5.84%,& 9.57% APR, respectively, on the first $1,000. The remainder will be paid at the applicable rate. Member must have an active TRUE Student Checking Account to earn the 10% APY account. Detailed rates can be found in the FSU Credit Union Savings and Rates document.