APYs are accurate as of 02/09/2016 and are subject to change at any time
*APY=Annual Percentage Yield
APY assumes that interest remains on deposit. Withdrawal of interest will reduce earnings. Fees can reduce earnings. All certificates automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty. Interest is compounded and credited as follows: 91 and 182 days - simple interest credited at maturity; 9 months to 5 years (minimum balance of $1,000) interest is compounded and credited quarterly; 9 months to 5 years (minimum balance of $25,000) interest is compounded and credited monthly.
7 years (step up) COD only: there is an option to change the rate twice in the lifetime of the COD, but only once in a calendar year.
If any of the deposit is withdrawn before the maturity date, a penalty will be imposed which could result in partial loss of principal. Penalties are as follows: 91 day term - 1 month's interest; 182 day term - 2 month's interest; 9 months to 1 1/2 year terms - 3 month's interest; 2-3 year terms - 6 month's interest; 5 year term - 1 year's interest; 7 years (step up) - 2 year's interest.