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CIA Spy: \APY of % APY on balances of $1 or more and Relationship APY of % APY on balances of $1 or more when eligibility requirements are met. APYs are v. APY (Annual Percentage Yield) relates to the total interest your money will gain by the end of 1 year, even if the CD has less than a one year term. A CD is a certificate of deposit. Usually, you deposit money for a fixed term, anywhere from one month to three or more years. In exchange for.