*Certificate terms of 2 years or less are eligible for a one time rate bump. All certificates (except IRA certificates) are automatically renewable for your selected term if applicable. Penalty will apply to only the portion of funds withdrawn: 60 days in loss of interest for certificates 1 year or less and 180 days for 2, 3, & 4 year certificates. Interest is earned daily and paid monthly. **APY= Annual Percentage Yield. Your savings are federally insured up to $250,000 by the National Credit Union Administration. Rates are current as of March 26, 2018 and are subject to change.