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*APY is Annual Percentage Yield and assumes dividends will remain on deposit until maturity. Term is 13 months for 2.30% APY. Minimum to open account and earn the stated 2.30% APY is $500. Certificates are subject to an early withdrawal penalty of 5% of the certificate balance at the time of withdrawal. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends, the penalty will be deducted from the principal. All requests for early withdrawals must be submitted to Hudson Heritage FCU in writing. Maintenance or activity fees may reduce earnings on the account. Rate is accurate at the time of publication and is subject to change without notice. This is a limited time offer that may be withdrawn at any time. Certain terms and restrictions apply. Contact a Hudson Heritage FCU Representative for details.