*The Annual Percentage Yield (APY) for the 12-Month Certificate of Deposit (CD) is 2.10%. The APY for the 18-Month CD is 2.30%. The APY for the 24-Month CD is 2.50%. These APYs are accurate as of May 10, 2018 and are subject to change without notice. The 12-Month, 18-Month and 24-Month CD products may be discontinued at any time. The minimum balance to open and to earn the stated APY for the 12-Month, 18-Month or 24-Month CD is $10,000. Funds deposited must be new money, meaning funds not already on deposit or held at Opus Bank at the time of account opening. Funds withdrawn from Opus Bank within 30 days prior to account opening are also restricted. The 12-Month, 18-Month and 24-Month CDs are personal accounts and cannot be opened under the name of a business. Early withdrawal penalties apply. Fees may reduce earnings. APY assumes interest remains on deposit until maturity.