APY (Annual Percentage Yield) as of October 1, 2021, and is subject to change. A penalty may be charged for early withdrawal. Certificate balances are capped at $250,000, plus dividends. 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. Certificate add-ons are also subject to the certificate balance cap of $250,000 plus dividends. 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. 39 Month Certificate Special: Not eligible for add-ons.