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*APY= Annual Percentage Yield. APY on certificates assumes quarterly compounding and is slightly less for terms less than 12 months. To earn 1.70% APY*, the Certificate must have a minimum amount of $1,000 and a minimum of 8-months term. Rates and terms are accurate as of 1/22/20 and are subject to change at any time. Credit Union membership is required. Unless you indicate otherwise, at the time of maturity the share certificate will be renewed to a 6-month term at the then-current rate in effect. In the event of a withdrawal before your certificate term matures: certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Early withdrawal penalties apply. Fees may reduce earnings on the account.