*Effective 01/01/2020 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 Midcoast FCU relationship. An active relationship is defined as an active checking account or credit card with a minimum of five transactions in the last 30 days, or an active consumer or home loan. If no active relationship exists, APY will be less 0.25% for the 11 month term. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings.