Share Savings Certificate APY = Annual Percentage Yield. Rates accurate as of 12/1/2024. Rates and Terms are subject to change without notice. The APY may change based on current dividend rates at the time of maturity. APY is accurate of the last dividend declaration date. The APY assumes that all funds will remain on deposit until maturity. Dividends are compounded monthly and paid monthly. A minimum investment of $1,000 is required to open and to earn dividends. Early withdrawal penalties may apply. Earnings may be reduced if fees or penalty are incurred.