| Certificate Term | Dividend Rate¹ | APY² | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 months | 4.67% | 4.75% | $500 | 90 days' dividends |
| 6 months add-on3 | 4.42% | 4.50% | $50 | 90 days' dividends |
| 9 months | 4.43% | 4.50% | $500 | 90 days' dividends |
| 12 months | 4.43% | 4.50% | $500 | 180 days' dividends |
| 12 months add-on3 | 4.18% | 4.25% | $50 | 180 days' dividends |
| 18 months | 4.43% | 4.50% | $500 | 180 days' dividends |
| 24 months | 4.33% | 4.40% | $500 | 180 days' dividends |
| 30 months | 4.14% | 4.20% | $500 | 180 days' dividends |
| 36 months | 3.94% | 4.00% | $500 | 180 days' dividends |
| 48 months | 3.70% | 3.75% | $500 | 360 days' dividends |
| 60 months | 3.45% | 3.50% | $500 | 360 days' dividends |
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