Does my interest rate apply to my entire balance?

Yes, if you qualify for the Savings Tiers, you will earn interest on the entire balance (not just direct deposits) up to $100,000.  To qualify for Savings Tiers, you must have at least one direct deposit (of payroll, annuity, or retirement benefits) each month. See “What are Savings Tiers?” for more information on how Savings Tiers are calculated.

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