*APY = Annual Percentage Yield. 6-month certificate dividend rate: 4.74%/4.85% APY. APY assumes that dividends will remain in the account until maturity. Unlimited additional deposits and one penalty free withdrawal during initial term of the CD. Additional withdrawals prior to certificate maturity will result in a penalty. Minimum Balance is required in order to open Term Share Certificate and earn dividends. Early withdrawal penalties do apply which may reduce the principal. The promotional 6-month term share certificate (TSC) have a $2,000 minimum deposit. No maximum, although, a member’s total aggregate deposits may not exceed $2.5 million. At maturity, certificate will automatically roll over to the standard 6-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date.