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Annual Percentage Yield (APY) is accurate as of 08/15/2016. $250 minimum balance to open a Certificate is required to earn APY. Penalties may be imposed for early withdrawal and are calculated at the interest rate you are earning at the time of withdrawal. This is a limited-time offer and may be withdrawn at any time. This Certificate will renew as a 12-Month Certificate with the current interest rate. A $5.00 Membership Account is required.