Share Certificates (CDs)

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Dividends are credited monthly with disclosed dividend rate (Annual Percentage Rate/APR) and can be withdrawn on crediting day.  Minimum deposit of $1,000 to open.  Minimum balance of $1,000 is required to obtain the advertised rate.  Compounded Annual Percentage Yield (APY) disclosed above.  Fees and withdrawal of dividends may reduce earnings.  An early withdrawal not otherwise permitted may be subject to a penalty.  The rate is subject to change after the maturity date.  Other restrictions may apply.