**Annual Percentage Yield. APY is accurate as of today -   Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal. ***The 17 month Share Certificate will automatically renew to a 18 month Share Certificate unless otherwise noted. ****The 13 month Share Certificate will automatically renew to a 12 month Share Certificate unless otherwise noted. Note: Minimum to open and obtain APY for all Share Certificates, except for Smart Sense Share Certificates is $500.00 Note: Minimum to open and obtain APY for a Smart Sense Share Certificate is $100.00