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APY=Annual Percentage Yield. 7.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.15% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 7.00% APY and a $1,000.00 balance earning a 3.697% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their Primary Savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3™ Savings is available to children Newborn to age 12. APY is effective as of May 27, 2015. All rates are subject to change, after account opening, without notice.