APY means Annual Percentage Yield, and it is the total amount you can make in a year (including the compounding in your principal amount). We compound your principal amount at the end of a weekly payout or a fixed deposit payout. So to make the maximum yield on your funds in one year, it's very simple: - Lock all your funds in 1 month Fixed Deposits - Renew the FIxed Deposits every time they mature At the end of the year, you would have made the listed APY rates.