*APY = Annual Percentage Yield. $500 minimum for Certificate Accounts issued as an Individual Retirement Account (IRA). APYs are accurate as of the first day of the current month and are subject to change. The assessment of any applicable fees will reduce the Annual Percentage Yield. Fees: Please refer to our Truth In Savings Disclosure to review the effect of fees that may be imposed. Early Withdrawal Penalties: A penalty may be imposed for withdrawals before the maturity of a certificate.