Photo of Amina Mazzara, Counselor in Auburn, MA
Amina Mazzara
Counselor, LMHC
Verified Verified
1 Endorsed
Auburn, MA 01501
I also have experience with acceptance and commitment therapy, dialectical behavioral therapy, and other approaches that are helpful instead of or in conjunction with CBT! .
Hello! I have a variety of experience treating adolescents and adults with anxiety, depression, PTSD, phobias, panic and other mood disorders using a solution-focused, goal-oriented approach. I believe in treating people as people, and every individual brings a unique skill-set to the table that we can tap into in order to make progress and achieve set goals. I make sure that every client has access to non-judgmental space to explore underlying issues as well as tackle every day concerns and set weekly-goals. No concern is too small and no issue is beyond treatment.
I also have experience with acceptance and commitment therapy, dialectical behavioral therapy, and other approaches that are helpful instead of or in conjunction with CBT! .
Hello! I have a variety of experience treating adolescents and adults with anxiety, depression, PTSD, phobias, panic and other mood disorders using a solution-focused, goal-oriented approach. I believe in treating people as people, and every individual brings a unique skill-set to the table that we can tap into in order to make progress and achieve set goals. I make sure that every client has access to non-judgmental space to explore underlying issues as well as tackle every day concerns and set weekly-goals. No concern is too small and no issue is beyond treatment.
(508) 960-7581 View (508) 960-7581
Photo of Pathways To Wellness Associates, LLC, Counselor in Auburn, MA
Pathways To Wellness Associates, LLC
Counselor, LICSW, LMHC, LPC
Verified Verified
Auburn, MA 01501
Pathways To Wellness Associates, LLC assists high functioning individuals and families to recognize and achieve their full potential in a safe and supportive atmosphere. We provide the highest quality counseling services founded in theory and evidence based practices. Our licensed therapists specialize in Cognitive Behavioral Therapy, Trauma Focused Cognitive Behavioral Therapy, Dialectical Behavior Therapy, Family Systems Therapy, Eye Movement Desensitization and Reprocessing (EMDR), Attachment, Self-Regulation, and Competency (ARC) Framework and Child and Family Therapy.
Pathways To Wellness Associates, LLC assists high functioning individuals and families to recognize and achieve their full potential in a safe and supportive atmosphere. We provide the highest quality counseling services founded in theory and evidence based practices. Our licensed therapists specialize in Cognitive Behavioral Therapy, Trauma Focused Cognitive Behavioral Therapy, Dialectical Behavior Therapy, Family Systems Therapy, Eye Movement Desensitization and Reprocessing (EMDR), Attachment, Self-Regulation, and Competency (ARC) Framework and Child and Family Therapy.
(508) 928-3787 View (508) 928-3787
Photo of Amanda Sousa, Clinical Social Work/Therapist in Auburn, MA
Amanda Sousa
Clinical Social Work/Therapist, LICSW
Verified Verified
Auburn, MA 01501  (Online Only)
I draw from a range of theories, including: DBT, psychodynamic, solution focused, and CBT.
I believe that everyone is resilient - and that constantly having to be strong can be exhausting. Through our work together, my goal is to honor that internal strength while also providing space for grieving, healing, and growing. I am passionate about supporting people that have lived through complex trauma and have been navigating their lives in survival mode. I work to help people re-establish a sense of safety within themselves, develop an understanding into how their experiences shaped them, and cultivate meaningful relationships.
I draw from a range of theories, including: DBT, psychodynamic, solution focused, and CBT.
I believe that everyone is resilient - and that constantly having to be strong can be exhausting. Through our work together, my goal is to honor that internal strength while also providing space for grieving, healing, and growing. I am passionate about supporting people that have lived through complex trauma and have been navigating their lives in survival mode. I work to help people re-establish a sense of safety within themselves, develop an understanding into how their experiences shaped them, and cultivate meaningful relationships.
View
Photo of Valerie Smith, Counselor in Auburn, MA
Valerie Smith
Counselor, MEd, LMHC
Verified Verified
Auburn, MA 01501
As a licensed mental health clinician, I specialize in the treatment of anxiety, depression, and trauma related disorders. I work with families to improve relationships and individuals of all ages who suffer from traumatic experiences.
As a licensed mental health clinician, I specialize in the treatment of anxiety, depression, and trauma related disorders. I work with families to improve relationships and individuals of all ages who suffer from traumatic experiences.
(774) 425-7414 View (774) 425-7414
Photo of Meghan C. Foucher, Clinical Social Work/Therapist in Auburn, MA
Meghan C. Foucher
Clinical Social Work/Therapist, LICSW
Verified Verified
Auburn, MA 01501  (Online Only)
Are you finding yourselves falling into the same arguments over and over again? Do you attempt to avoid conflict by walking on eggshells, isolating from each other, or not talking about what needs to be addressed until another “blow-up” happens? Even when you both are in the same space, does it feel like you're miles apart? Are you both feeling lonely, frustrated, and really missing each other? I help couples just like you increase connection, intimacy, and directly communicate with each other about what truly matters.
Are you finding yourselves falling into the same arguments over and over again? Do you attempt to avoid conflict by walking on eggshells, isolating from each other, or not talking about what needs to be addressed until another “blow-up” happens? Even when you both are in the same space, does it feel like you're miles apart? Are you both feeling lonely, frustrated, and really missing each other? I help couples just like you increase connection, intimacy, and directly communicate with each other about what truly matters.
(774) 458-9807 View (774) 458-9807
Photo of Yveline Simon, Clinical Social Work/Therapist in Auburn, MA
Yveline Simon
Clinical Social Work/Therapist, LICSW
Verified Verified
2 Endorsed
Auburn, MA 01501  (Online Only)
Currently Accepting New Clients: I am a Bilingual Licensed Independent Clinical Social Worker who speaks both English and my native language of French Creole. “If you’re always trying to be normal, you will never know how amazing you can be.” Normalcy is only judged by ourselves and within ourselves.
Currently Accepting New Clients: I am a Bilingual Licensed Independent Clinical Social Worker who speaks both English and my native language of French Creole. “If you’re always trying to be normal, you will never know how amazing you can be.” Normalcy is only judged by ourselves and within ourselves.
(508) 403-9723 View (508) 403-9723
Photo of Mariesa Croteau, Counselor in Auburn, MA
Mariesa Croteau
Counselor, LMHC
Verified Verified
Auburn, MA 01501  (Online Only)
I believe in utilizing a holistic approach to counseling, and have been providing services to adolescents and adults with PTSD, complex trauma, attachment disorders, mood disorders, anxiety, depression, personality disorders, among other challenges. I utilize Attachment, Regulation, and Competency (ARC) as my primary model for treatment along with motivational interviewing (MI), Cognitive Behavioral Therapy (CBT), and focuses on a strength-based trauma informed approach in which the client can begin to make connections between their mind and body.
I believe in utilizing a holistic approach to counseling, and have been providing services to adolescents and adults with PTSD, complex trauma, attachment disorders, mood disorders, anxiety, depression, personality disorders, among other challenges. I utilize Attachment, Regulation, and Competency (ARC) as my primary model for treatment along with motivational interviewing (MI), Cognitive Behavioral Therapy (CBT), and focuses on a strength-based trauma informed approach in which the client can begin to make connections between their mind and body.
(351) 247-3201 View (351) 247-3201
Photo of Matt McNutt, Counselor in Auburn, MA
Matt McNutt
Counselor, MS, LMHC
Verified Verified
Auburn, MA 01501
Not accepting new clients
*** Currently not accepting clients right now but am starting a wait list.*** If you find yourself having a difficult time with managing anxiety/ depression, dealing with stress, life adjustments, trauma/ grief consider engaging in a counseling journey with an experienced clinician to help you achieve your personal goals. I prioritize building an accepting and therapeutic relationship with my clients. My clinical specialties include providing services for teenagers, and adults in individual and family therapy sessions.
*** Currently not accepting clients right now but am starting a wait list.*** If you find yourself having a difficult time with managing anxiety/ depression, dealing with stress, life adjustments, trauma/ grief consider engaging in a counseling journey with an experienced clinician to help you achieve your personal goals. I prioritize building an accepting and therapeutic relationship with my clients. My clinical specialties include providing services for teenagers, and adults in individual and family therapy sessions.
(508) 882-2757 View (508) 882-2757

More Therapists Nearby

Photo of Sandra Garfield, Pre-Licensed Professional in Auburn, MA
Sandra Garfield
Pre-Licensed Professional
Verified Verified
1 Endorsed
Worcester, MA 01603  (Online Only)
My primary focus is building a genuine connection and individualizing my approach to each person’s specific needs. I have always believed that it is important to celebrate small and big wins in life. I work hard to meet clients where they are at and together, work to develop goals for best outcomes. I utilize many forms of therapy, including but not limited to Cognitive Behavioral Therapy, Dialectical Behavioral Therapy and Motivational Interviewing all from a trauma informed lens. I enjoy working with all ages, especially those who identify as neurodivergent, those with disabilities, anxiety, depression and trauma.
My primary focus is building a genuine connection and individualizing my approach to each person’s specific needs. I have always believed that it is important to celebrate small and big wins in life. I work hard to meet clients where they are at and together, work to develop goals for best outcomes. I utilize many forms of therapy, including but not limited to Cognitive Behavioral Therapy, Dialectical Behavioral Therapy and Motivational Interviewing all from a trauma informed lens. I enjoy working with all ages, especially those who identify as neurodivergent, those with disabilities, anxiety, depression and trauma.
(508) 691-8980 View (508) 691-8980
Photo of Onyx Counseling and Wellness, Clinical Social Work/Therapist in Auburn, MA
Onyx Counseling and Wellness
Clinical Social Work/Therapist
Verified Verified
Worcester, MA 01605
We utilize and are not limited to, motivational interviewing, DBT and CBT techniques, as well as psychoeducation to empower you to meet your goals and achieve change.
Onyx Counseling established in 2022 offering individual counseling . Appointments with Onyx Clinicians are filling fast so please reach out. The best way to connect is via email or phone, or through the contact portion of www.onyxcounselingcenter.com.
We utilize and are not limited to, motivational interviewing, DBT and CBT techniques, as well as psychoeducation to empower you to meet your goals and achieve change.
Onyx Counseling established in 2022 offering individual counseling . Appointments with Onyx Clinicians are filling fast so please reach out. The best way to connect is via email or phone, or through the contact portion of www.onyxcounselingcenter.com.
(774) 357-0893 View (774) 357-0893
Photo of Michael Bronner, Counselor in Auburn, MA
Michael Bronner
Counselor, MEd, LMHC
Verified Verified
2 Endorsed
Worcester, MA 01609
I like to use DBT strategies to improve frustration tolerance & emotion regulation.
Do you want to feel better now? Whatever you can talk about we can improve your coping of it and change how you think of it. It takes courage to enter therapy. I have had the privilege of being a mental health counselor for 18 years. My therapy practice is a non-judgmental, skills-focused approach, where you have a safe place to talk about anything. Lets increase self-compassion and patience in your life. Lets learn to enjoy today and each day that we have. Together we can make your life better. You are almost there.
I like to use DBT strategies to improve frustration tolerance & emotion regulation.
Do you want to feel better now? Whatever you can talk about we can improve your coping of it and change how you think of it. It takes courage to enter therapy. I have had the privilege of being a mental health counselor for 18 years. My therapy practice is a non-judgmental, skills-focused approach, where you have a safe place to talk about anything. Lets increase self-compassion and patience in your life. Lets learn to enjoy today and each day that we have. Together we can make your life better. You are almost there.
(857) 763-4063 View (857) 763-4063
Photo of Kailey Fasugba, Counselor in Auburn, MA
Kailey Fasugba
Counselor, LMHC, ATR-BC, LADC-1
Verified Verified
Worcester, MA 01609
I follow a person centered and psychodynamic approaches encouraging self reflection and strength building through talk therapy, CBT, DBT, art and expressive therapies.
Have you have found yourself struggling with symptoms of depression, anxiety, using substances more than before, relationship trouble, work issues, coping with a loss or a family member with addiction issues, or other life stressors? I would like to help you feel better and have better quality of life by learn new coping strategies for your concerns and express yourself effectively.
I follow a person centered and psychodynamic approaches encouraging self reflection and strength building through talk therapy, CBT, DBT, art and expressive therapies.
Have you have found yourself struggling with symptoms of depression, anxiety, using substances more than before, relationship trouble, work issues, coping with a loss or a family member with addiction issues, or other life stressors? I would like to help you feel better and have better quality of life by learn new coping strategies for your concerns and express yourself effectively.
(351) 444-5236 View (351) 444-5236
Photo of Gentles Counseling Services LLC, Counselor in Auburn, MA
Gentles Counseling Services LLC
Counselor, MA, LMHC
Verified Verified
Worcester, MA 01605
We also offer TF-CBT, CBT and DBT.
We specialize in treating children, adolescents and couples. Our initial focus is to establish a therapeutic relationship with our patients who we work with as we believe that is the foundation for effective therapy. We currently have evening appointments on a weekday in addition to weekends. We offer empathetic listening and also provide direct but therapeutic feedback and support to the individuals we work with. We strongly believe in meeting our clients where he, she or they are at and facilitating him, her or them in addressing the presenting problems.
We also offer TF-CBT, CBT and DBT.
We specialize in treating children, adolescents and couples. Our initial focus is to establish a therapeutic relationship with our patients who we work with as we believe that is the foundation for effective therapy. We currently have evening appointments on a weekday in addition to weekends. We offer empathetic listening and also provide direct but therapeutic feedback and support to the individuals we work with. We strongly believe in meeting our clients where he, she or they are at and facilitating him, her or them in addressing the presenting problems.
(774) 241-9600 View (774) 241-9600
Photo of Katrina Kush, Clinical Social Work/Therapist in Auburn, MA
Katrina Kush
Clinical Social Work/Therapist, MSW, LCSW
Verified Verified
Worcester, MA 01602
I utilize a variety of evidence based treatment approaches including Dialectical Behavior Therapy, Cognitive Behavior Therapy and Family Based Treatment.
Welcome! Please inquire to be put on my waitlist. It takes awareness and courage to take the steps necessary in seeking support, and I am passionate about creating a non-judgmental space that can provide safety and comfort. I have experience working with children, adolescents, adults and families. I have extensive expertise and a passion for working with adolescents and adults diagnosed with eating disorders, as well as providing support to the parents of those struggling. Other specialties include anxiety, depression, relationships, life transitions, self-esteem challenges and body image concerns.
I utilize a variety of evidence based treatment approaches including Dialectical Behavior Therapy, Cognitive Behavior Therapy and Family Based Treatment.
Welcome! Please inquire to be put on my waitlist. It takes awareness and courage to take the steps necessary in seeking support, and I am passionate about creating a non-judgmental space that can provide safety and comfort. I have experience working with children, adolescents, adults and families. I have extensive expertise and a passion for working with adolescents and adults diagnosed with eating disorders, as well as providing support to the parents of those struggling. Other specialties include anxiety, depression, relationships, life transitions, self-esteem challenges and body image concerns.
(508) 290-7119 View (508) 290-7119
Photo of Donna Hayes, Clinical Social Work/Therapist in Auburn, MA
Donna Hayes
Clinical Social Work/Therapist, LICSW
Verified Verified
Shrewsbury, MA 01545  (Online Only)
She utilizes evidenced-based interventions such as cognitive behavioral therapy (CBT), solution focused therapy, person centered therapy, dialectical behavior therapy (DBT), motivational interviewing, and mindfulness-based cognitive therapy in sessions.
Donna Hayes is a Licensed Independent Clinical Social Worker (LICSW) who has 12 years of experience in the mental health field. Donna has a great deal of experience working with dual diagnoses, personality disorders, various mood disorders, crisis intervention, and Community Mental Health Services. She is passionate about working with young adult and college age individuals who may be struggling to cope with the overwhelming stressors and anxiety of their new life transitions.
She utilizes evidenced-based interventions such as cognitive behavioral therapy (CBT), solution focused therapy, person centered therapy, dialectical behavior therapy (DBT), motivational interviewing, and mindfulness-based cognitive therapy in sessions.
Donna Hayes is a Licensed Independent Clinical Social Worker (LICSW) who has 12 years of experience in the mental health field. Donna has a great deal of experience working with dual diagnoses, personality disorders, various mood disorders, crisis intervention, and Community Mental Health Services. She is passionate about working with young adult and college age individuals who may be struggling to cope with the overwhelming stressors and anxiety of their new life transitions.
(508) 501-6091 View (508) 501-6091
Photo of Derek Atherholt, Counselor in Auburn, MA
Derek Atherholt
Counselor, LMHC
Verified Verified
Worcester, MA 01601
Including cognitive behavioral, narrative therapy, dialectical behavioral, mindfulness & executive functioning strategies.
I am a Licensed Mental Health Counselor with 15 yrs of experience treating children, adolescents, & young adults/adults. I committed my career to assisting individuals develop their true potential to be more... Entering into therapy takes courage, which is an investment in yourself to make lasting change toward better functioning & optimizing your well being. I strive to facilitate a non-judgemental space to be your authentic self. I am passionate about my role assisting you in gaining self awareness & developing healthier relationships with self & others. I enjoy working with all ages & dynamics
Including cognitive behavioral, narrative therapy, dialectical behavioral, mindfulness & executive functioning strategies.
I am a Licensed Mental Health Counselor with 15 yrs of experience treating children, adolescents, & young adults/adults. I committed my career to assisting individuals develop their true potential to be more... Entering into therapy takes courage, which is an investment in yourself to make lasting change toward better functioning & optimizing your well being. I strive to facilitate a non-judgemental space to be your authentic self. I am passionate about my role assisting you in gaining self awareness & developing healthier relationships with self & others. I enjoy working with all ages & dynamics
(978) 755-2789 View (978) 755-2789
Photo of Andrew James Maihos, Clinical Social Work/Therapist in Auburn, MA
Andrew James Maihos
Clinical Social Work/Therapist, LICSW
Verified Verified
Worcester, MA 01608  (Online Only)
My approach is informed by Dialectical Behavioral Therapy and Acceptance and Commitment Therapy.
Website: Mentalhealthwithandrewmaihos.com (Fully Remote and accepting Massachusetts, NH, VT, and Florida clients) My name is Andrew (AJ) Maihos I am a Licensed Independent Clinical Social Worker licensed in Massachusetts, Vermont, Florida, and New Hampshire. I have been working in human services since 2011 and have been practicing as a counselor since 2016. I have worked in a wide variety of settings including schools, prisons, substance abuse treatment facilities, and mental health centers. I have experience working with all age groups and a wide variety of mental health/substance use disorders.
My approach is informed by Dialectical Behavioral Therapy and Acceptance and Commitment Therapy.
Website: Mentalhealthwithandrewmaihos.com (Fully Remote and accepting Massachusetts, NH, VT, and Florida clients) My name is Andrew (AJ) Maihos I am a Licensed Independent Clinical Social Worker licensed in Massachusetts, Vermont, Florida, and New Hampshire. I have been working in human services since 2011 and have been practicing as a counselor since 2016. I have worked in a wide variety of settings including schools, prisons, substance abuse treatment facilities, and mental health centers. I have experience working with all age groups and a wide variety of mental health/substance use disorders.
(603) 509-3148 View (603) 509-3148
Photo of Will Davidson, Counselor in Auburn, MA
Will Davidson
Counselor, LMHC
Verified Verified
Worcester, MA 01609  (Online Only)
I offer evidence-based, client centered, treatments delivered with compassion, humor and intelligence. My job satisfaction comes from seeing large changes in my clients over a short period of time. I specialize in Cognitive Behavioral Therapy and include elements of Dialectical Behavior Therapy and Art Therapy. Cognitive behavioral therapy is a psychosocial intervention that is the most widely used evidence-based practice for improving mental health. Guided by empirical research, CBT focuses on the development of personal coping strategies that target solving current problems and changing unhelpful patterns in cognitions (e.g. thoughts, beliefs, and attitudes), behaviors, and emotional regulation.
I offer evidence-based, client centered, treatments delivered with compassion, humor and intelligence. My job satisfaction comes from seeing large changes in my clients over a short period of time. I specialize in Cognitive Behavioral Therapy and include elements of Dialectical Behavior Therapy and Art Therapy. Cognitive behavioral therapy is a psychosocial intervention that is the most widely used evidence-based practice for improving mental health. Guided by empirical research, CBT focuses on the development of personal coping strategies that target solving current problems and changing unhelpful patterns in cognitions (e.g. thoughts, beliefs, and attitudes), behaviors, and emotional regulation.
(508) 603-0139 View (508) 603-0139
Photo of Katie Nyren, Counselor in Auburn, MA
Katie Nyren
Counselor, LMHC
Verified Verified
Shrewsbury, MA 01545  (Online Only)
Waitlist for new clients
I use evidenced-based techniques such as cognitive-behavioral therapy, dialectical behavior therapy, solution-focused therapy, and motivational interviewing to help guide and support you in better understanding and learning to cope! I am an active listener and offer validation and feedback, I assist you in processing, and I teach you effective skills.
If you are struggling with feeling anxious, depressed, angry, or stressed, it may be causing you to have difficulties in your daily life activities or relationships. I am happy to help assist you in learning to identify and better understand and cope with your thoughts, feelings, behaviors, and life stressors in order to improve your overall mental health, daily functioning, your relationships, and your satisfaction and quality of life!
I use evidenced-based techniques such as cognitive-behavioral therapy, dialectical behavior therapy, solution-focused therapy, and motivational interviewing to help guide and support you in better understanding and learning to cope! I am an active listener and offer validation and feedback, I assist you in processing, and I teach you effective skills.
If you are struggling with feeling anxious, depressed, angry, or stressed, it may be causing you to have difficulties in your daily life activities or relationships. I am happy to help assist you in learning to identify and better understand and cope with your thoughts, feelings, behaviors, and life stressors in order to improve your overall mental health, daily functioning, your relationships, and your satisfaction and quality of life!
(508) 593-7463 View (508) 593-7463
Photo of Brittany Godden, Counselor in Auburn, MA
Brittany Godden
Counselor, LMHC
Verified Verified
2 Endorsed
Worcester, MA 01601  (Online Only)
I believe in a child-centered and trauma-informed approach, drawing from play therapy, expressive arts therapies, mindfulness training, CBT, and DBT to help my clients navigate through any challenges they may be facing.
I am a neuro-affirming therapist, who specializes in working with children and teens with Autism, ADHD, anxiety, depression, and trauma. I have experience working with children and youth in clinical and educational settings including as an outpatient therapist, school-based therapist, early childhood mental health consultant, school counselor, and as a therapeutic mentor. I also work closely with parents and caregivers as they learn more about the unique ways their child interacts with their world, which can also include advising or advocating for school services if your child is currently struggling in school.
I believe in a child-centered and trauma-informed approach, drawing from play therapy, expressive arts therapies, mindfulness training, CBT, and DBT to help my clients navigate through any challenges they may be facing.
I am a neuro-affirming therapist, who specializes in working with children and teens with Autism, ADHD, anxiety, depression, and trauma. I have experience working with children and youth in clinical and educational settings including as an outpatient therapist, school-based therapist, early childhood mental health consultant, school counselor, and as a therapeutic mentor. I also work closely with parents and caregivers as they learn more about the unique ways their child interacts with their world, which can also include advising or advocating for school services if your child is currently struggling in school.
(413) 327-9865 View (413) 327-9865
Dialectical Behavior (DBT) Therapists

Who is DBT for?

Dialectical Behavior Therapy (DBT) is designed for people who experience extreme emotional suffering because they lack the skills of emotion regulation and distress tolerance. The basic affliction can underlie a wide range of conditions, from borderline and other personality disorders to PTSD and treatment-resistant anxiety and depression. The therapy is helpful to those whose emotional reactivity is so intense it is disruptive to everyday functioning and leads to frequent crises.

Why do people need DBT?

The ability to regulate emotions is a core psychological skill that enables people to function in life and pay attention to the world outside themselves; it is consistently associated with well-being. DBT is designed to help people learn how to manage and regulate their emotions. Originally developed to treat people with borderline personality disorder whose extreme emotional suffering led to self-harming behavior and suicide attempts, the therapy is now applied to other conditions involving emotion dysregulation, particularly when other treatments have failed.

What happens in DBT?

Individuals meet weekly with their therapist to discuss their experiences relating to moods, behavior, and skills. Using checklists they maintain, they review emotional experiences and positive practices they engage in. The diaries help individuals discern what led up to a specific problem encountered, this is followed by discussion of the consequences of their actions. In addition, individuals may meet in class-like small groups to learn skills such as mindfulness, emotion regulation and distress tolerance.

How long does DBT last?

Because it is intended to establish long-lasting behavioral change among those with persistent problems, DBT is designed to last six months to a year. DBT includes both weekly sessions of individual therapy and weekly skills-training sessions conducted in small groups. Studies of DBT have documented improvement within a year of treatment, particularly in controlling self-harmful behavior; nevertheless, individuals may require therapy for several years.