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*Annual percentage yield. Dividends paid and compounded quarterly/monthly. $500.00 minimum deposit. Rates effective as of January 23, 2013 and may be changed or discontinued at any time .Call your local branch for current rates. When opening a Term Share Certificate of Deposit, the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the Certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 180 days dividends whether earned or not on certificates with maturities greater than 24 months. The penalty on certificates with maturities less than 24 months is 90 days dividends whether earned or not. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. ** 365 day early withdrawal penalty on the 59 month term.