Fees may reduce earnings.

Early withdrawal penalty will apply to Certificate withdrawals. Withdraw penalty will be 2% of amount withdrawn. Funds earn dividends from the first business day of deposit and are calculated daily and posted monthly. Monthly dividend pay can be added to Certificate (compounded), transferred to savings account or paid by check. Accrued dividends are forfeited if account is closed prior to monthly dividend posting.

Minors under the age of 18 years may purchase a certificate with a term of 60 months or until their 18th birthday, whichever is less. Deposits of $25 or more can be added to the certificate at any time and the minimum Certificate issue amount for a minor is $250.00.

Subject to restrictions. Rates subject to change without notice.

**Annual Percentage Yield (APY). Certificate term is 12 months, automatic renewal into 12-month certificate at maturity. $500 balance required, amount cannot exceed $1,000. The certificate is subject to penalty for early withdrawal. Subject to automatic renewal upon maturity. Refer to disclosure for renewal terms.  Only one per member certificate must be opened in the Caledonia Branch at 6451 Cherry Meadows Dr., Caledonia, MI 49316 in order to receive a promotional rate of APR 9.56%, APY 10.00% . Subject to change at any time.

***Annual Percentage Yield (APY). Certificate term is 12 months, automatic renewal into 12-month certificate at maturity. $500 balance required, amount cannot exceed $1,000. The certificate is subject to penalty for early withdrawal. Subject to automatic renewal upon maturity. Refer to disclosure for renewal terms.  Only one per member certificate must be opened in the Caledonia Branch at 6451 Cherry Meadows Dr., Caledonia, MI 49316 in order to receive a promotional rate of APR 9.56%, APY 10.00% . Subject to change at any time.