APY=Annual Percentage Yield. APY accurate as of 9/1/2023. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Rates are based on current rates at the time of renewal.  Rate includes a 0.10% APY increase when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Rate may change after the account is opened. If requirements are not met, rate is 5.15% APY for 9 months and 4.90% APY for 14 months. Minimum balance required is $500. Only personal share certificates are eligible for advertised rate; business share certificates also available although rates may differ. 9 month certificate renews to 6 month standard certificate at maturity. 14 month certificate renews to 12 month standard certificate at maturity.  Business and personal share certificates are eligible for advertised rate. Minimum balance required is $500 for personal certificates and $1,000 for business certificates. 6 month certificate renews to a 6 month standard certificate at maturity.