For those who make their FTD deposits during the period of January 1 to March 31, 2025, interest will begin accruing from the date the deposit is made. This ensures that all participants, regardless of their deposit timing, earn interest on their funds from the moment they are invested.

For example, if you deposit $1,000 into the FTD on February 15, 2025, you will begin earning interest on that $1,000 from February 15, 2025 onwards. The first interest payment you receive in April 2026 will reflect the full 12 months of interest earned on your deposit. Additionally, you will be awarded a one-time $30 credit.