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*Annual Percentage Yield (APY) on the our share certiificate rates assumes principal and dividends will remain on deposit until maturity. Dividends compound monthly. Withdrawals may reduce earnings. Penalty for early withdrawal. Minimum opening deposit of $500 is required. Certificate will automatically renew on the maturity date at the nearest available standard term and dividend rate. Business and IRA Certificates are eligible for share certificate rates. Some restrictions apply. Rates and terms are subject to change without notice. See all about your accounts disclosure for complete details. Insured by NCUA.