- Choose from 6- to 60-month terms
- Funds can be withdrawn if needed; penalties may apply1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.