*APY = Annual Percentage Yield. This offer, including both stated APY's, is effective December 3, 2018. The Credit Union reserves the right to end or modify this offer at any time. 24 Month and 36 Month Bump Certificates require a $5,000 minimum opening deposit. During the term noted for either bump certificate, there will be a one-time only option for a member to increase to a better rate during that term. This increase will be limited to a maximum of up to 50 basis points. Rates matched by the Credit Union are limited to those comparable to only state and local financial institutions. Early withdrawals prior to maturity are subject to penalty. Early withdrawals will reduce earnings. Additional deposits may not be made to the certificate accounts during their certificate terms. All certificates require a $500 minimum balance. Certificates with balances that go below $500 are subject to closure. Certificate rates are reviewed weekly and are subject to change. All terms and conditions are subject to change without notice. Federally Insured by NCUA. All terms and conditions noted are valid only for the 24 Month and 36 Month Bump certificates and are not valid on existing 24 Month and 36 Month certificates.