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*APY=Annual Percentage Yield. Offer is effective as of September 18, 2017 and is subject to change or discontinue at any time. Minimum amount required to open certificate is $10,000 and funds must come outside of MPECU. Certificate will roll into a 12 month certificate after the initial 13 month term. Early withdrawal fees may reduce the earnings on the account. Federally insured by NCUA.