*APY = Annual Percentage Yield. Rate quoted is as of 05/01/2026. Early withdrawals incur dividend penalties, which will reduce or cancel your earnings. The dividend rate increases over the term: 3.15% for the first 8 months, 3.40% for the next 8 months, and 3.65% for the final 8 months. The annual percentage yield is 3.46%, assuming the certificate is held to maturity. **At maturity, a 24-month certificate will automatically renew as a 24-month certificate, at our then-current rates. Call 260-373-1633 or 800-752-4613 ext. 1633 for current yields on these and other products. Promotion limited to Non-IRA funds. Limited time only.