*Annual Percentage Yield. $500 minimum opening deposit. Dividends may be paid quarterly by check or transferred to an account. If you receive dividends by check, then your APY will be the same as the APR Dividend Rate. Ask us for further information about the terms and fees that apply to these accounts. At maturity, the special term certificate will renew automatically as a standard 12 month term certificate. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Federally insured by NCUA.