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APY=Annual Percentage Yield. Advertised rate and APY are offered at the Credit Union’s discretion and may change at any time. The minimum balance to open is $10,000 Funds must be deposited in a single transaction. For our 5-Month CD product, there is a 90 day interest forfeiture for funds withdrawn before maturity date. For our 11- and 15-month CD product, there is a 180 day interest forfeiture for funds withdrawn before maturity date. Fees may reduce earnings. APY assumes principal and interest remains on deposit for the term of the certificate. At maturity, CD automatically renews at the then current market rate for the same term and may no longer offer the bump up feature referenced below. In the event the same term is not offered, CD will automatically renew into the closest term greater than the existing term.

1. The rate at opening will be paid until the certificate maturity date unless your product qualifies for and you invoke the Bump-Up option. Bump-Up rate change is based upon the WSJ published Federal Funds rate change. In the event of a published rate increase, existing 15-month CD holders have the opportunity to request a one-time matching rate increase of up to 0.25%. This new rate will remain in effect through the remainder of the existing CD term. Option to increase rate and APY one time during the initial term requires you contact the Credit Union directly to redeem the feature prior to initial maturity date. It may take up to 2 business days for rate change to become effective upon request. 

2. A minimum of $10,000 in NEW MONEY is required to open a 5-month CD. New money is defined as newly deposited funds not currently on account with the credit union. Transfers from existing Liberty Bay Credit Union accounts are ineligible for this promotion.