Rates current as of January 1, 2017, and are subject to change without notice.
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*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Dividends are paid from earnings after transfers to reserves. A penalty may be imposed for early withdrawal.
The Annual Percentage Yield for certificate terms less than (1) year is based on an assumption that dividends are posted and compounded at maturity and will remain in the account until maturity. The Annual Percentage Yield for certificate terms one (1) year or greater is based on an assumption that dividends are posted and compounded quarterly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.
Premier Checking and Heritage Club bonus certificate rates are available on Share Certificates and IRA Certificates. Add-on and promotional certificates are not eligible for a dividend bonus rate. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.