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*APY=Annual Percentage Yield of 1.26% for a 19-month Certificate or IRA Certificate does not receive Active Rewards bonus. Minimum to open a Certificate is $1,000. Minimum to open an IRA Certificate is $500. Dividends compound monthly. Penalty for early withdrawal. The minimum required to open an account is the purchase of a share in the Credit Union ($5). Some restrictions apply. Rate subject to change.