APY is accurate as of 01/03/19 and subject to change without notice. Minimum balance to open certificate and earn APY is $500. Eligible on 19-month share certificates and IRA certificates. Penalty for early withdrawal is equal to 6 months of dividends. Other fees may reduce earnings on account. To qualify for the promotional rates, certificates must be opened and funded during the promotion period of 1/3/19 to 3/6/19.