![]() **The minimum balance to earn the advertised APY is $25,000 for a 6-month term at the higher rate and $500 for all other Certificate terms. For a Certificate with a term of three years or more, the penalty will be equal to 90 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For terms of 2 to 5 years, the top national rates range from 5. For a Certificate with a term over one year but less than three years, the penalty will be equal to 60 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. There are 12 more offers in our daily ranking of the best CDs that pay rates of 5.75 APY or better. For a Certificate with a term of one year or less, the penalty will be equal to 30 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. A withdrawal of all or any portion of the principal prior to maturity will cause automatic termination of the Certificate Account. ![]() A penalty will be imposed for early withdrawal. Our Personal Line of Credit is a margin loan and is available only on certain types of accounts. APY offered the period of December 1 - 31, 2023. The margin interest rate is variable and is established based on the higher of a base rate of 4.00 or the current prime rate. ![]()
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