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*Annual Percentage Yield. Interest on savings are compounded monthly. Interest on CDs is compounded quarterly. Penalty may be imposed for early withdrawal of CDs. Withdrawal of account earnings and fees could reduce APY. Public funds and financial institutions are not eligible for these rates. Member Equity Savings may be opened for as little as $5. Federally insured by NCUA. The APY is accurate as of August 1, 2022 .