1 APY - Annual Percentage Yield. APY for certificates is accurate as of 07/06/2022. These rates may change at any time without prior notice. Interest is compounded monthly in order to receive full APY. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.