Annual Percentage Yield (APY) is accurate as of November 1, 2015 - November 30, 2015 and is subject to change at any time. Fees may reduce earnings.
Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. The minimum balance to open a certificate is $1,000.
Early Redemption Penalties
*Penalties are imposed for early withdrawal of IRA certificates. You must provide your request in writing.
If the certificate is redeemed within the first year, all dividends will be forfeited.
If after the first year, but prior to the maturity date, the early withdrawal penalty will equal 30% of what would have been earned if the certificate had been held to maturity, not to exceed total dividends earned.