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Certificate | Dividend Rate | APY |
---|---|---|
6 Month Term | 0.982% | 1.000% |
8 Month Term* // SPECIAL | 2.052% | 2.100% |
1 Year Term | 1.372% | 1.400% |
16 Month Term* // SPECIAL | 2.197% | 2.250% |
18 Month Term | 1.469% | 1.500% |
2 Year Term | 1.518% | 1.550% |
3 Year Term | 1.567% | 1.600% |
4 Year Term | 1.664% | 1.700% |
5 Year Term | 1.761% | 1.800% |
Certificate Annual Percentage Yield (APY) effective as of November 18, 2019, and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. *Limited Time Certificates Special — Limited time offer may be withdrawn at any time. Unless redeemed, upon maturity 16-month certificate will automatically renew into the traditional 18-month certificate at the then current APY, and the 8-month certificate will automatically renew into the traditional 6-month certificate at the then current APY.
Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity.
NOTE: Rate Climber Certificate is no longer offered as of August 1, 2018. View current Rate Climber Certificate rates on our full Rates page.
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Certificates
Savings Accounts
Q: What is the penalty for early withdrawal on a certificate?
A: The amount of the early withdrawal penalty is based on the term of your account. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. Get full details here.
Q: How is my interest calculated on my certificate?
A: For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date. The compounding and crediting frequency of dividends are stated in the Certificate Truth-in-Savings Disclosure.
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Results do not include potential taxes on interest.