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¹Rates expressed as Annual Percentage Yield (APY) and effective as of April 1, 2024. Promotional 13-Month Certificates of Deposit (CD) will earn an interest rate of 4.880%  and 15 Month CDs will earn an interest rate of 4.641% resulting in the stated APY during initial CD term. ²Based on 13- and 15- month CD’s APYs compared to average .47% National Rate paid for savings accounts as reported on FDIC. gov as of March 18, 2024. Additional terms and information: Offer may be withdrawn or subject to change without notice. Minimum to open and earn APY: $500; maximum CD deposit $1,000,000. Offer not available for Business or Municipal deposits. Early withdrawal will incur early withdrawal penalties which will impact earnings. At maturity, after ten-day grace period during which changes may be made, promotional 13-month CD will renew at standard 12-month rate and terms available at that time, and 15-month CD will renew at standard 18-month CD rate and terms available at that time. Ask for full details. Member FDIC.