APY (Annual Percentage Yield) as of February 1, 2024, 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. 11-month certificate special: Eligible for add-ons. Certificate balances are capped at $2,000,000 per certificate type, plus dividends. 11-month certificate rolls into a 12-month certificate upon maturity.