*APY = Annual Percentage Yield. All rates and yields are subject to change without notice. Share Certificates earn and are paid dividends on a monthly basis. A penalty may be imposed for early withdrawal. The annual percentage yield is based on the assumption that the dividends will remain in the account until maturity. A withdrawal will reduce earnings. Some restrictions may apply. Contact the Credit Union for further details and disclosures. Federally insured by NCUA. **Rate matching applies to certificates of the same term and conditions as offered by Waterfront CU.