*The annual percentage yield (APY) assumes principal and interest remain on deposit until maturity; APY is accurate as of January 21, 2020. Interest is compounded annually. All interest payments for the APY will be credited at the end of the term or annually, whichever occurs first. A penalty may be imposed for early withdrawal and fees may reduce earnings. Offer valid on Regular and IRA Certificates. $5,000 minimum opening deposit. FDIC coverage up to applicable limits. Offer effective through January 31, 2020.