We have 2 primary products available - Medium Term Notes (MTN) and Reserve Accounts. MTN are purchased at a discount and pay monthly interest. APR begins at 5.125%. APY can be over 8%. Redeem in 5 years at full face value. A Reserve Account is an account set up in the name of a customer that we fund to the amount requested. The account holder can then use the account as Proof of Funds, to improve credit or enhance a balance sheet.