 APY stands for Annual Percentage Yield. There's no minimum balance to earn APY. Member FDIC. Southeast Bank. On 10th Street and on South Willow. We're good to know. Becoming a parent. What to expect when you're expecting. We've read the books. What happens when you're faced with the reality? That parenthood for you and your child. Well, it's not going to look like it did in the books.