*Effective 05/01/2019 and subject to change without notice. Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. Special is available for regular share certificates and traditional IRA certificates only, for members with an active checking account. An active checking account is defined as having a minimum of six transactions in the last 30 days (direct deposit, ACH, debit, or draft activity). If no active checking account is present, APY will less 0.25% for the 9 month term. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings.