*2.00% Annual Percentage Yield (APY) accurate as of January 21, 2010 and is available only for CDs part of a qualified retirement plan. Rates are subject to change without notice. The interest rate on this account will remain in effect until maturity. The minimum deposit to open this account is $500. The minimum balance to earn stated APY is $500. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings. Bank is not responsible for typographical errors. NYCB reserves the right to cancel or modify this offer at any time without notice. **The FDIC insurance limit for IRAs is $250,000. †Contact your tax advisor for more information.