11-Month Certificate (CD) Disclosures

APY=Annual Percentage Yield. APY accurate as of 04/02/2019. Assumes interest reinvested and the rate continues for a year. Certificate interest earned at the applicable term’s fixed rate until maturity. Fees listed on the Fee Schedule could reduce earnings on the account.

Minimum balance to open is $500. Partial withdrawals not permitted, unless otherwise stated.

Interest calculated using the daily balance method and compounded and credited monthly. You may choose to have interest credited directly to you or to another account each month, but this may reduce earnings.

Certificate is subject to an Early Withdrawal Penalty equal to 90 days interest if redeemed prior to the maturity date. If you do not withdraw at maturity, this Certificate will automatically renew as a standard, 11-month Certificate at the rate available at maturity. If renewal is prevented for any reason, interest will not accrue after maturity. You may withdraw Certificate without penalty if redeemed within 15 days following maturity.

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