*12 month term/180 days penalty for early withdrawal. $5,000.00 minimum deposit. Rates are effective January 23, 2024 Rates are subject to change without notice. A penalty may be imposed for early withdrawal on fixed or variable Certificates of Deposit and fixed or variable IRAs. Early withdrawal penalties do not apply on IRAs for those customers over 72 years of age taking mandatory distributions. The APY assumes that interest remains on deposit until maturity and that a withdrawal reduces the earnings on the account.