The term and rate is as follows: 28 month term at 2.28% APY*

*APY=Annual Percentage Yield. Rates may change monthly as determined by the Board of Directors. We may offer other rates in the future. Penalty for early withdrawal might occur. All term share accounts will have an early withdrawal penalty of 2% of the current term share balance. Promotion effective Dec. 1, 2018 through Dec. 31, 2018.