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APY=Annual Percentage Yield. Rates effective March 1, 2019, and subject to change. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. In order to open and maintain the special certificate, you must have a minimum deposit of $1,000 and an active checking account at RCU. Active checking is defined as a checking account having 3 or more transactions per month (excluding telephone teller or dividend posting transactions). Maximum deposit for special certificate is $250,000. At maturity, special certificate will roll over into 24-month term. Federally insured by NCUA.