1 APY = Annual Percentage Yield. Rates accurate as of 1/28/2019. Comparison of similar, special rates. 2 APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 1/28/2019 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us. 3 Annual Percentage Yield (APY) accurate as of 1/28/2019. $5,000 minimum balance. IRAs have contribution limits set by the Federal Government. Available for new money only. Dividends compounded and credited monthly. A penalty may be imposed for early withdrawals. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.