Highest rate will drop from 5.09% to 4.59%, effective 2/1/16.

For accounts currently earning 5.09%:
APY decrease from 5.09% to 4.59% is the only change. Qualifying bal cap of $20K is unchanged. Number of RCA transactions and credit card transaction $1K min spend requirement is unchanged.
Accounts currently earning 4.09%: will now be earning 3.59%. The transaction requirement on the associated credit card is changing from a minimum of 12 transactions to a minimum total of $500 in credit card transactions The qualifying balance cap for this tier is changing from $20K to $15K.