Features

• $5,000 minimum deposit ($100 for IRAs)
• 6 month, 1 year & 2 year terms
• Rates are fixed for the duration of term
• Dividends are paid monthly and at maturity
• You can direct your dividends to be:
  • added to your certificate account principal or
  • automatically transferred to your Star One checking and savings account or
  • mailed to your home

Transaction Limitations
You may not make subsequent deposits to your certificate account. You may make partial withdrawals of principal from your account before maturity. Principal withdrawn before maturity is subject to a premature withdrawal penalty. The account may not be taken below the minimum balance requirements for the certificate account without redeeming the entire account.

Premature Withdrawal Penalty
We may impose a penalty if you withdraw any of the principal before the maturity date or the renewal date. These penalties are:

• 6 month term - 90 days’ dividends
• 1 year term - 180 days’ dividends
• 2 year term - 180 days’ dividends

Insurance
All Credit Union accounts are insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.