0.5%?! You need to find a new credit union. lol. Leave the money in and you'll make money. Add to it and you'll make more. Buy a pair of het albinos for $350, spend $200 on caging, $300-400 on food before they are big enough to breed, plus added $$ for utilities. Produce your first clutch of 1-2 albinos at $600 pr. and some giveaway pos. hets and you're still in the hole. After advertising, box costs, etc....I haven't bought a ball for my collection in several years.