• Terms: 6 months, 12 months, 18 months, 2 years, 3 years, and 5 years.
• Earn high yields
• Review account history through free Internet Banking
• Federally insured up to $100,000 by NCUA

FREQUENTLY ASKED QUESTIONS

Q: Is there any limit on how much I can put into my CD?
A: No. You can open a certificate for any dollar amount you choose. Our deposit accounts are federally insured up to $100,000 by NCUA.

Q: Can I make a deposit after the CD is opened?
A: No. Once the CD is opened, you may not make additional deposits to your account. You may, however, make a deposit or a withdrawal during the 10-day grace period after the CD matures.

Q: How do I check my balance?
A: Use the free Internet Banking, call the free Telephone Teller at 800-808-5802, or call a friendly member service representative at 800-452-6021.

Q: What happens when my CD matures?
A: At maturity there is a 10-day no-interest, no-penalty grace period for partial withdrawal or closure of your certificate. At the end of the 10-day grace period, the certificate balance will automatically renew for the same term as the maturing certificate, but at the rate then in effect for the same class of investment.

Q: At maturity, can I reinvest my CD for a different term? If I can, how would I do that?
A: Yes, you can. Simply give us a call at 800-452-6021 within the 10-day grace period, and tell us the term of your reinvestment.

Q: Can I withdraw from my CD Account in case there is an emergency?
A: Yes, you can. However, because CDs are term accounts, there will be a penalty for an early withdrawal. To understand how the penalty is determined, please read our Certificate Disclosure. The amount of the early withdrawal penalty is determined as follows:

• For accounts with terms less than 12 months, early withdrawals are subject to a penalty of 90 days’ dividends.
• For accounts with terms of 12-23 months, early withdrawals are subject to a penalty of 150 days’ dividends.
• For accounts with terms of 24-35 months, early withdrawals are subject to a penalty of 180 days’ dividends.
• For accounts with terms of 36-59 months, early withdrawals are subject to a penalty of 240 days’ dividends.
• For accounts with terms of 60 months or greater, early withdrawals are subject to a penalty of 365 days’ dividends.