To boost your APY, you need to deposit CLT to the Staking Account on the Interest Account tab.
There is no minimal staking time needed to get bonus rates. Within a day after deposit, all interest rates in the Interest Account will increase by 0,1% with every 125 CLT you hold:
125 CLT raises your Interest Account rates by 0.1%;
375 CLT — by 0.3%;
1,000 CLT— by 0.8%;
1,250 CLT — by 1%;
2,500 CLT — by 2%.
The maximum bonus is 2%. Having more than 2,500 CLT won’t affect your interest rates anymore. In Figure 1 below, you can see the Interest Account page with a maximized interest rate. You can achieve this by holding 2,500 CLT.
Your Interest Account rates when holding 2,500 CLT
You can't use staked coins for paying fees or getting a loan. However, you can instantly unstake them at any time.