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0.15% Annual Percentage Yield (APY) is available on a new 12-month Certiﬁcate of Deposit (CD). A minimum opening deposit and account balance of $1,000 is required to earn the APY. $75,000 maximum deposit when applying online. Excludes public funds. A penalty fee may be imposed for early withdrawal. Other applicable fees may apply; fees may reduce earnings. APY is effective August 13th, 2020 and is subject to change without notice.