APY (Annual Percentage Yield) as of February 1, 2023, and is subject to change. A penalty may be charged for early withdrawal. One-Time Bump: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Add-On: If your certificate has an add-on feature, add-ons are limited to $10,000 through the duration of the certificate. IRA certificate add-ons are subject to limits set by the IRS. Dividends will be compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. 25-month and 14-month certificate specials: Eligible for add-ons. Certificate balances are capped at $2,000,000 per certificate type, plus dividends. 25-month certificate rolls into a 24-month certificate upon maturity. 14-month certificates roll into a 12-month certificate upon maturity.