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*APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account based on the dividend rate and frequency of compounding in a 365-day period. 4.59% APY is based on a 4.50% dividend rate. The dividend rate on certificate accounts is fixed for a specific period of time, called a term. The dividend rate is based on the dividend rate in effect at the time you make the deposit. We compound dividends monthly and will pay dividends on the last day of each month unless otherwise stated and at maturity. A penalty may be assessed for early withdrawals, which may reduce APY. Membership is required. Federally Insured by NCUA.