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*Quoted Annual Percentage Yield (APY) assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.
IRA and HSA Certificates are also available. Dividends earned on HSA Certiﬁcates must be paid to the Certiﬁcate. Dividends earned on Traditional and Roth IRA Certiﬁcates can be paid to any IRA of the same type.
Early Withdrawal Penalties: All Certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the Certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).
Truth in Savings Disclosure