Certificates

*Promotional rate accurate as of 2/1/19 and subject to change. The Annual Percentage Yield (APY) assumes that dividends will remain in the account until maturity. The minimum deposit required to open a No Penalty Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. APY assumes that dividends will remain in the account until maturity. You may withdraw all your money including interest earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account.

¹The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

²The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.