*CD accounts subject to approval. $500 minimum opening deposit required to earn Annual Percentage Yield (APY). Substantial penalty for early withdrawal. APY current as of 2/21/14. Rates are subject to change. $2,500,000 maximum deposit ($250,000 maximum deposit for CD accounts opened online). Fees could reduce the earnings on the account. BBVA Compass opens CD accounts that have no certificate known as Time Deposits or TDs.