 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. When you leave this life, you take nothing with you. No possessions, no pain, no grief. The grief is left behind for your loved ones to bear. This isn't the time for them to have to deal with arrangements. By simply planning ahead, you can relieve your loved ones of undue stress. We are here for you when you need us most.