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¹Rates expressed as Annual Percentage Yield (APY) and effective as of August 1, 2023. 17-Month Certificates of Deposit (CD) will earn an interest rate of 4.650% and 22-Month Certificates of Deposit (CD) will earn an interest rate of 4.554% with interest compounded on principal balance monthly, resulting in stated APY during initial CD term. ²New money is defined as deposit funds new to Penn Community Bank or that were deposited within the 30 days preceding the certificate open date. ³Limited-time offer may be subject to change or withdrawal without notice. ⁴Based on 17- and 22-month CD’s APYs compared to average 0.42% APY National Rate paid for savings accounts as reported on FDIC.gov as of July 17, 2023. Additional terms and information: 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 and/or forfeiture of interest. At maturity, after ten-day grace period during which changes may be made, 17-month CD will renew at standard 18-month CD rate and terms available at time, and 22-month CD will renew at standard 24-month CD rate and terms available at time. Ask for full details. Member FDIC.