The formula for saving money is
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1.25% APY* for 12 months
1.60% APY* for 36 months
2.25% APY* for 60 months
*APY = Annual Percentage Yield, rates available as of 1/22/2018, no minimum balance required to receive the APY, no minimum amount to open, penalty may be imposed for early withdrawal. After initial term, certificate will automatically renew as a standard, 12 month Share Certificate at the rate available at the time of maturity.
The best way to make that formula work is to put your money
*Early withdrawals: for certificates with a term of one year or less, the amount of the early withdrawal penalty is 30 days dividends calculated on the amount withdrawn. For certificates with a term of more than one year, the amount of the early withdrawal penalty is 90 days dividends calculated on the amount withdrawn.