Annual Percentage Yield (APY) accurate as of 2/20/2018. $1,000 minimum balance. IRAs have contribution limits set by the Federal Government. Available for new money only. Bump-Up Certificates allow a one-time rate increase corresponding with the current advertised 2-year fixed-rate UHFCU certificate. The new rate will remain in effect until the certificate maturity date. Dividends compounded and credited monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. May not be combined with other rates or offers. Offer, terms, and rate subject to change without notice.