- Funds can be withdrawn if needed; penalties may apply1
- Catch-up contributions for those 50 or older
1 For all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up to six month's dividends; however, there is no risk of loss to your principal. Required minimum distributions must begin at age 70 1/2. Required minimum distributions are not subject to early withdrawal penalties.
2 Account owner(s) must initiate the rate bump. One bump per current term and multiple additional deposits per term allowed, up to the original amount of the certificate at the start of the current term.