Certificate Rates

1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

2 If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.

3 Liquid Certificates Share Certificates formerly known as Access Plus Share Certificate allows for penalty-free withdrawals of up to 50% of the start of day balance as of 12 AM on a daily basis. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Unlimited deposits are accepted during the certificate term. $1,000 minimum balance required. 12-month term. 0.35% APY applies to any deposit amount. May be combined with VIP rate increase.

4 At the time of maturity, promotional share certificates will automatically renew into the next lower term share certificate.