1. - APY= Annual Percentage Yield.
11 Month Certificate Special – For a limited time only. At maturity, the 11-Month Certificate Special will automatically renew as a 12-Month Term Share Certificate.
Forward Flex Certificate – For a limited time only. The Certificate is for 24 months and has a variable rate based on the Fed Funds rate. The Annual Percentage Yield (APY) of 4.50% is accurate as of 01/01/2023 and may change monthly at the beginning of the next dividend cycle. The APY is subject to a ceiling of 4.5% and a floor of 0.75%. Funds are locked with normal early withdrawal penalty. At maturity, the Forward Flex Certificate will automatically renew as a 24-Month Term Share Certificate.
2. - Earn 0.30% APY for a 3-month term, 2.50% APY for a 6-month term, 3.00% APY for a 12-month term, 3.00% APY for a 24-month term, 3.00% APY for a 36-month term, and our maximum percentage, 3.00% APY, for a 48- or 60-month term.
3. - Term Share Certificates closed before maturity are subject to early withdrawal penalties. Certificates may be used as collateral for low-interest loans.