Minimum $500.00 opening balance Daily IRA Share account rate of 1.00% / 1.01% APY* Short Term accounts starting at six (6) months Long Term accounts starting at 12 to 60 months Insured to the maximum allowed by NCUA Penalties assessed for early withdrawals Competitive market interest rates   Certificate Terms Dividend Rate  APY* 6 Months 0.50% 0.50% 1 Year 0.75% 0.75% 2 Years 1.10% 1.10% 3 Years 1.49% 1.50% 4 Years 1.74% 1.75% 5 Years 2.13% 2.15%       *APY - Annual Percentage Yield Rates Effective 12/9/11