Mountain America Credit Union 12-Month Certificate Leads Rates Peloton


Deal Summary: 12-month Certificate, 5.25% APY, $500 minimum deposit. 12-month Growth Certificate, 5.250% APY, $5 min/$100k max, additional deposits up to $100k max allowed throughout the term, minimum $10 automatic monthly deposit required.

Availability: Easy membership requirement.

The latest institution to raise its short-term CD rates and lower its long-term CD rates is Utah-based Mountain America Credit Union (MACU). Over the weekend, MACU increased its 12-month Certificate rate by 100 bps to a rate-leading 5.25% APY. Unfortunately, it lowered its 24-month Certificate rate by 50 bps to 4.25% APY and its 60-month Certificate rate by 25 bps to 4.00% APY. The 12-month Certificate now has the most competitive rate in the MACU CD product line. The regular Certificate can be opened with a $500 minimum deposit, with no stated balance cap.

4.50%$500-Mountain America Credit Union24 Month Certificate
4.25%$500-Mountain America Credit Union12 Month Certificate Special
4.00%$500-Mountain America Credit Union60 Month Certificate
Rates as of April 2, 2023.

The 12-month Youth Certificate earns a higher 5.35% APY, with $5 minimum/$100k maximum deposit limits. The Youth Certificate also has limited add-on capabilities.

After the certificate is opened, additional deposits of up to $10,000 can be made annually up through the age of 27 with a maximum of $100,000 on deposit in any one, or combination of, Youth certificates per primary account holder.

As stated in the Truth-in-Savings disclosure (page 25), the Early Withdrawal Penalty (EWP) reads as follows:

If all or part of the principal balance is withdrawn before the maturity date, the Credit Union may charge you a penalty. Penalties for early withdrawal will be provided to you in the certificate agreement given at the initiation of the certificate and are as follows:

  • If your certificate has an original maturity of 12 months or less, the penalty may equal 90 days’ dividends on the amount withdrawn.

The principal is not protected from the EWP: if necessary, the penalty will reduce the principal amount of the certificate.

There is a ten day grace period before any MACU Certificate automatically renews.

Growth Certificate

About six years ago, MACU began offering add-on CDs, which were originally known as Term Deposit Plus accounts. MACU changed the names of several of its products “to better align with industry standards” a few years ago, with the Term Deposit Plus accounts becoming the current Growth CDs. With terms available from six to 60 months, the 12-month Growth CD currently offers the most competitive rate – 5.25% APY.

Like the standard CDs, the longer-term Growth CD rates had the same reductions with the 24-month Growth CD and 60-month Growth CD now earning 4.25% APY and 4.00% APY, respectively. The lower long-term rates are especially disappointing news for those who use add-on CDs for low-rate insurance.

4.50%$5$100kMountain America Credit Union24 Month Growth CD
4.25%$5$100kMountain America Credit Union12 Month Growth CD Special
4.00%$5$100kMountain America Credit Union60 Month Growth CD
Rates as of April 2, 2023.

While the Growth Certificates earn the same APYs, the rate and the term-length are the only features the Certificates and the Growth Certificates have in common. The Certificates page outlines how the Growth CDs function.

  • Only $5 to open account
  • Funds can be added at any time – up to a cumulative cap of $100,000
  • Requires automated monthly deposit of at least $10
  • No rate bump option

Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs. The minimum $10 automatic monthly deposit can come from another MACU account or from an outside source, such as a direct deposit or a transfer from another financial institution. The operative phrase is “automatic monthly deposit,” with the source of the deposit not restricted to an external financial institution.

Thanks to DA reader, Robb, for the Forum post about these new rates.


Headquartered in West Jordan, Utah, Mountain America Credit Union's field of membership (FOM) is open to almost every U.S. citizen/resident alien who has a valid Social Security number.

Easy Membership: The American Consumer Council, one of MACU’s Affiliated Associations, can be joined by anyone with a $5 membership fee, and qualifies for MACU membership.

Residency: Residents of the Utah counties of Duchesne, Salt Lake, Wasatch (census tract 940300), or Unitah (census tract 940100 or 940200) are eligible to join, as are the residents of Maricopa County, Arizona, and the residents of the Idaho counties of Ada, Boise, Canyon, Elmore, Gem, Owyhee, or Valley Counties.

Relationship: Family members (parent, child, spouse, sibling, grandparent, grandchild, including step- and adopted) of an existing member are membership eligible. Individuals “living with or under the same roof” with current MACU membership are now also welcome to apply.

Affiliation: Employees or volunteers of an MACU SEG or Affiliated Association also qualify.

Joining Mountain American Credit Union can be done online, or at any of 104 full-service branches located in Arizona (8), Idaho (13), Montana (2), New Mexico (2), Nevada (5) and Utah (74).

The way you can open a Certificate or a Growth Certificate depends on your member status. As stated on the Certificates landing page,

New members – Visit your nearest branch or call 1-800-748-4302 to open an account.

Current members – Simply log in at or on the mobile app, select Loans/New Account and then click Open Savings Account or Certificate.

A minimum $1 deposit in a Primary Savings account establishes a MACU membership.

MACU no longer participates in the CO-OP Shared Branch network, but is still a member of the CO-OP ATM network.

Funding and Other Details

The following information is from a conversation with CSR.

  • Funding – ACH, wire ($10 fee), internal transfer.
  • CO-OP Shared Branch Participant – No.
  • Dividends – Compounded/credited monthly. Dividends can remain in the Certificate or can be transferred to another MACU account.
  • Maturing Funds – Automatic transfer to MACU Share Account, then can be disbursed by ACH, wire ($15 fee), or cashier’s check.
  • Beneficiaries – Unlimited, equal shares, Social Security numbers are required.
  • Grace Period –10 calendar days before automatic renewal.
  • Credit Check – Soft pull.

Credit Union Overview

Mountain America Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.23% (excellent) based on September 30, 2022 data. In the past year, MACU has increased its total non-brokered deposits by $921.31 billion, an excellent annual growth rate of 7.77%. Please refer to our financial overview of Mountain America Credit Union (NCUA Charter #24692) for more details.

Founded in 1934, Mountain America Credit Union was originally known as the Salt Lake Telephone Employees Credit Union. Following the 1984 merger with the Postal Workers Credit Union, the name was changed to Mountain America Credit Union. MACU merged with the Utah State Credit Union in 1988, becoming the second largest credit union in Utah. In February 2015, Idaho-based Les Boise Credit Union joined forces with MACU, extending the Credit Union’s footprint into the Boise area. The latest merger occurred in April 2018, when Dugway Federal Credit Union (Utah) became part of the MACU family.

Mountain America Credit Union is currently the twelfth largest credit union in the country, with assets in excess of $15.6 billion and more than 1.12 million members. According to a September 2022 press release,

On Thursday, August 25, 2022, Utah Business Magazine recognized Mountain America Credit Union as the 45th fastest growing company in the state in its annual Fast 50 awards. The Fast 50 recognizes Utah's fastest growing companies based on a combination of their total five-year revenue growth and total revenue.

How the 12-Month Certificate Compares

When compared to similar length-of-term CDs tracked by that are available nationally and have minimum deposit requirements of $10k or less, no banks or credit unions have a higher rate than currently offered on the Mountain America Credit Union 12-month Certificate. The following table compares the 12-month Certificate to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

How the Growth Certificate Compares

When compared to other nationally available short-term add-on CDs with small minimum deposit requirements, the MACU 12-month Growth Certificate APY is currently at the top of the add-on rates peloton. You can find a full list of nationally available add-on CDs in DA’s biweekly CD Rate Summary.

The above information and rates are accurate as of 2/13/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table page.

Related Pages: 1-year CD rates, nationwide deals

  |     |   Comment #1
This is a very good deal for the 12 month add-on CD but the fact that they lowered the rate on the longer terms as rates are still rising is a big disappointment as I was expecting them to rise not fall after the last FED rate hike. My guess is that they will go up again after the next FED hike. I think they got nervous and probably listened to the market "experts" who were predicting a quick FED pivot. : /
  |     |   Comment #5
I think banks are counting on rates to stabilize this year and start to slowly decline at the end of 2023 or beginning of 2024. So they raise the short term rates because they don't want you to actually buy the long term CDs because they are counting on rates to start declining. They have to still make the long term CDs attractive looking so they seem comparable to other banks.
  |     |   Comment #2
There is an error in this article. The comparison table shows 24 month CD at MACU for 5.25%. Should be 12 month CD at MACU for 5.25%.

I just recently purchased the 60 month Growth CD (4.25%) and 24 month Growth CD (4.75%) on 1/30. These are now down to 4.00% and 4.25%.

Seems like longer term CDs are going to get cheaper going forward if inflation is behind us. The shorter term CDs are certainly quite attractive. The question is for how long. Will shorter term CDs be this attractive in 2 years or should you start locking in longer term rates before they drop even more. I have been betting on the latter. Started when brokered CD rates dropped to under 4% for long term CDs (4 and 5 year). I think the online banks will follow dropping long term CDs but more slowly. Fall of last year you could get the best rates with brokered CDs. Now it is the online banks finally overtaking them.
  |     |   Comment #3
There’s talk among “experts” that the upcoming CPI numbers will likely show an uptick in inflation rather than continuing the pattern of declines.

Do you discount this possibility, Steve?
  |     |   Comment #4
I absolutely do not discount an uptick in inflation this month over the December month over month inflation numbers. Since inflation was only 0.33% over the last 6 months, an uptick in inflation is what I predict. You have seen my analysis. I said that the month over month inflation rate for the first 3 months of the calendar year on average are the highest of the year. So history itself predicts that Jan, Feb and March will be higher that December.

You really need to read what I write, and get less defensive. I gave my analysis on what I am seeing, and try to back it up with real numbers and calculations to help those on here who may be interested. You seem to want to give anecdotal commentary to my analysis without any facts that I could challenge if needed. That is why I do not reply to your comments when they are anecdotal.
Good luck,
  |     |   Comment #6
The problem I have with your inflation numbers are that they're not apparently those being used by the Fed in making their policy decisions, and so seem kind of irrelevant to my interests (and most other members here also, I would suggest).  If inflation has been only 0.33% over the last 6 months then why in the world is it being considered as an ongoing problem? You come up with these esoteric measures drawn from apparently academic sources, and ignore the real world numbers that truly matter. I'm hardly defensive about that, but moreso just incredulous over your ivory tower logic and calculations that have zero impact  on decision maker's understanding and actions.
  |     |   Comment #7
OK. I am sure the fed uses many things to judge where they think inflation is going. I use CPI-U to judge where inflation has been and the last 6 months it is flat. My point to many here is if you look at the year over year inflation numbers you will miss the boat as to when to when to start buying long term CDs. I don't care if you buy them.

Why do you think the Fed is cutting down size of rate increases. Why is the market rebounding. Dead cat bounce? Or are they seeing things similar to what I am seeing.

I don't know if you are conservative, liberal, independent, what channels you watch, where you live. All I know is if you are listening to conservative shows, they want to tout inflation as still a major problem just to bash Biden over the head day in and day out. If you listen to liberal media, you would never know we had inflation over the last 3 years, and if they did admit it that Biden policies and liberal spending was not the source of it. I try to come at it with an independent non political view point.

Little homework. Why do people buy I bonds and what specific metric does the Government use to set the non-fixed rate?

  |     |   Comment #8
The non-fixed applicable inflation rate was over 6% at last determination (less than 6 months ago), - not 0.33%.
  |     |   Comment #9
Setting aside credit or blame and political (or apolotical) posturing, Steve58 is correct. The CPI-U was at 296.311 in June 2022 and December 2022 was at 296.797 (an increase of 0.164%, which if doubled to go out to 12 months would be 0.33%). The 6% is year-over-year (Dec 2022 compared to Dec 2021). Underlying data are available here:
  |     |   Comment #10
Everybody including the Fed knows CPI-U rate of increase has fallen for several months. That's not news.

The problem is that the Fed clearly is not basing its rate decisions on CPI-U.

Instead they are focused on wage increases and concerned about a wage price spiral.

And narrow slices of CPI like CPI-U don't give you much direct information about the job market.

The job market is still tight because people aren't working, they've dropped out of the job market. So competition for employees continues strong as it has been for several years and is at almost two jobs available for every unemployed worker, a very high level.

I think the Fed has made it abundantly clear that is what it is focused on. And it makes a lot of sense.

What doesn't make sense is the policy coming out of Washington that has not given those workers incentives to take those jobs and instead has given disincentives. That has clearly been the biggest contributor to the inflation in the first place.
  |     |   Comment #21
Just so, 2CENTS. Real world & relevant numbers vs Steve’s Ivory Tower happy face.

January consumer prices rose 6.4% per the measure that matters.
  |     |   Comment #12
the MACU 12-month Growth Certificate APY is currently at the top of the add-on rates peloton

MACU gets the yellow jersey...and could be wearing it for awhile
  |     |   Comment #13
Mountain America is useless with their 100kcap…
  |     |   Comment #16
Well it's $200,000 with Spouse and throw in another 100k with a youth certificate if you have kids.....although there's the kiddie tax. But anyway far from useless. You must really think I'm dumb with all my capped savings accounts that earn from 5-10% APY.
  |     |   Comment #20
Mountain America is useless with their 100kcap…

Utility depends entirely on the user. setting maximum and minimum limits will decrease utility for some
  |     |   Comment #14
Heh, I wonder the % of MA's members who have their Add-On Certs actually USE them and add to them regularly (other than the req min)... and what % simply opt for the absolute min and keep them simply as a hedge for the future...

As far as the 100k cap... sure, would be great not to have it, but I suppose that's to prevent another "Valor CU" occurance from happening (remember them, before they had to get taken over by PenFed?)
  |     |   Comment #15
It's unclear to me, does MACU allow "rolling" over of 100k from cert to cert as they mature?

One one hand a literal reading of the $100k for all certificates could mean once you hit in on one, you're done.

On the other hand, once the certificate matures, it's gone and theoretically you could move it back to a new certificate.

Maybe they're crazy like a fox with this 5% one, if the honeypot anyone who fully funds it from doing any longer term offerings they may want to discourage by claiming they can't be funded later?
  |     |   Comment #17
As soon as one matures you can move that money out to free up some add-on space or you can add it to one of your other add-on CD's with a longer term. Just so long as you don't hit $100,000 in total you can always open another one before the old one expires. So I would recommend to never max them out just in case you need to open another just keep them rolling along so long as the rate is good.

Another strategy with this 12 month CD would be just to get the regular one not the add-on. All depends on how much cash you are looking to deploy.
  |     |   Comment #18
The $100k is the total amount that you have contributed to the certificate(s)--it's the total that one has contributed to all growth certificates. So, if you have $80k, $10k, $5k, and $5k, you are not allowed to add more. That said, interest that has been compounded does not count in that total. What D1 suggests is what I've been following in the rising rate environment--keeping a bit of headroom in case another more compelling offer comes along. When we last hit a peak and rates decreased, I went ahead and maxed the highest rate offering (and at that point, the automated monthly deposits also stopped--I didn't have to do anything).

One question: what is it witht the "Peloton" in the title?
  |     |   Comment #19
One question: what is it witht the "Peloton" in the title?

it's a bicycle racing reference, nothing to do with the business of same name. competitive cyclists tend to ride in a large group (the peloton) for much of the race, while intermittently, individuals or smaller groups of riders try to breakaway from the peloton. MACU has broken away from the pack with this new rate.
  |     |   Comment #23
Where did you get the “interest that is compounded is not counted” ? I have not read that in their disclosures. And if that’s correct does that mean you can subtract all the interest you have made from a growth certificate from their limit of 100k ?
  |     |   Comment #24
I can only say that I've had a Growth CD with MACU for several years with a current balance of well over 100K (due to accumulated interest credits), yet was able to recently establish an additional (5 year) Growth CD without any problem.
  |     |   Comment #38
Gregk #24
What u r saying is that u have a grown certificate with over $100,000 (interest makes up the over $100,000) and u have opened an additional growth certificate with at least some minimum $ amt putting u over the 100k cumulative limit stated in there requirements section, thus negating the 100k limit. Possible your 2nd one some how slipped through and when found out could be voided. Good luck!!
  |     |   Comment #26
I spoke with a CSR yesterday who said that there is a 100K max on EACH the Growth CDs, not an aggregate $100k in any one or combination of Growth CDs. She was misinformed, correct?
  |     |   Comment #27
NYCnative…this is listed on their certificate page:

“Growth certificates are limited to $100,000 on deposit in any one, or combination of, growth certificate accounts per primary accountholder. Growth certificates require an automated monthly deposit of at least $10. Upon meeting the $100,000 aggregate deposit limit, automated monthly deposits may be canceled by the credit union and no additional deposits will be allowed in any growth certificate for that member.”
  |     |   Comment #22
Deplorable_1 (comment #17): Have you actually done such a matured-add-on to existing-add-on transaction which shows that the transferred funds don't count toward the cap a second time? Or have you confirmed with MACU that that would be the case? Ideally one could fund the 12-month, then move the funds to the (defunct) 24-month 4.75%, then to the (defunct) 60-month 4.25%.
  |     |   Comment #25
Try checking that out real time for us johnnyrotten.
To close to maturity to try myself
  |     |   Comment #36
@johnnyrotten: Yes once the add-on CD matures it no longer counts toward the $100,000 growth CD max. You could either just transfer it to the savings(mine go there automatically at maturity) or you could call on the maturity date and have them transfer the balance to another growth CD. Just remember your accumulated interest from the matured CD will now count toward the $100,000 total cap for growth CD's. You could also have non growth CD's which do not have the 100k cap(like this 5.25% 1 yr. CD) but just remember the FDIC limits for your situation.
  |     |   Comment #39
Johnnyrotten #22, D_1 #36
D_1 explanation makes perfect sense.
Regarding funding 12 mth Gr add on then moving to other existing Gr add ons, u must be aware of maturity dates. U mention the 24 mth 4.75apy. If u take the 12 mth out today, u would only have 12 mths or less at maturity.
  |     |   Comment #29
I spoke to MACU and was told it is $100,000 total limit of all combined growth CD’s per account.
  |     |   Comment #32
thanks, melsher14, although it still leaves ambiguity on whether a growth certificate that matures (and the $ goes back to savings) counts toward the $100,000 total permanently, or whether when it matures it reduces the "total limit", so it frees up space to keep rolling from one certificate/to savings at maturity/to another growth certificate
  |     |   Comment #33
I have a saving account & multiple CD's both growth & standard... ..any growth CDs are 100 k max no matter how many you have but they cannot together go over 100K . when they mature & if you have them go into a savings account that is ok because you then do not have any active growth CDs & you are good for another 100k in growth cds... The savings account & any standard CD's may have any amount you want in them. . The limits are separated,, ( savings & standard CDs..any amount ) ( growth CDs 100k ) you can have both groups.
  |     |   Comment #28
I spent a good 40 minutes on the phone with a very nice representative yesterday, hoping to open a 1 year cd. We got all the way through the application process when she asked how I wanted to fund it. I said ACH. Sure, she said, and how much would you like to invest? $100k, I said. After putting me on hold for a couple minutes, she returns to say the max they can do with ACH is $25k which, of course, would mean paying wire transfer fees. I declined and have my app on hold while I research other banks, etc.
  |     |   Comment #30
The $25K is if you initiate the ACH from their end. If you initiate it from another institution that allows higher amounts, you can do it.
  |     |   Comment #31
Understood, but Wells has even smaller outgoing ACH limits.
  |     |   Comment #34
Do they have a free savings account? Maybe you could ACH $25k per day over four days into the free savings account from your external source(s) and then have the rep internally transfer the total $100k into the CD. If the rate is around for a week or two, that should work. (And don’t see why it wouldn’t be around for a bit).
  |     |   Comment #35
Very good idea except I was told they have a $50k max per month. I suppose another strategy would be to open 2 $25k accounts this month and follow it up with 2 next month.
  |     |   Comment #37
Yup. Do they allow you to electronically deposit a check (into a savings account or otherwise)?
  |     |   Comment #40
I have ACH'd out of Wells Fargo $100,000 at one time on several occasions, a $150,000 and $200,000  with no problem, no fee.
  |     |   Comment #41
Chill, that's very interesting. I've tried on several occasions, only to be told it was $5000.
  |     |   Comment #42
MACU has now lowered the rate dramatically on the 12 month certificate to 4.170. I applied when it was still showing the higher rate this morning, but it's unclear if they will honor it (right now the matter is being escalated to their exceptions team).  
UPDATE:  They will NOT honor it. They will let me close the certificate (already funded) without penalty.  I actually tried to open this yesterday both online and over the phone but was told I could not, that I needed to move money to savings first myself.  So I did that, applied this morning clicking a button for 12 month that still said 5.25%, funded it, and then surprise!  it said 4.170 when I checked "certificate details."    I called immediately but no, they are not going to honor the rate I applied under.  
  |     |   Comment #43
I saw the same thing. I was going to buy a CD this morning and noticed that the rates changed. I'm surprised they wouldn't an honor the rate for you in your situation. If you were just trying like me for the first time today then I get it but in your case that is unacceptable. Poor customer service on their part.
Mountain America Credit Union Has Competitive 24-Month CD Rate
Deal Summary: 24-month Certificate (4.50% APY), $500 minimum deposit. Growth Certificates – 24-month (4.50% APY) and 60-month (4.00% APY), $5 min/$100k max, additional deposits up to $100k max allowed throughout the term, minimum $10 automatic monthly deposit required.

Availability: Easy membership requirement.

For a limited time, Utah-based Mountain America Credit Union (MACU) is offering 4.50% APY on its 24-month Certificate and 24-month Growth Certificate. The regular Certificate can be opened with a $500 minimum deposit, with no stated balance cap.

Unlike recent Certificate promotions...

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Mountain America Credit Union Adds 18-Month Bump CD Promo
Deal Summary: Bump Certificates – 18-month (4.00% APY) and 60-month (3.75% APY), $500 minimum deposit, one-time bump-up option. Growth Certificates – 18-month (4.00% APY) and 60-month (3.75% APY), $5 min/$100k max, additional deposits up to $100k max allowed throughout the term, minimum $10 automatic monthly deposit required.

Availability: Easy membership requirement.

Based on the success of last month’s 60-month Bump Certificate promotion, Utah-based Mountain America Credit Union (MACU) has raised the rate to 3.75% APY and added a limited time 18-month Bump Certificate promotion earning 4.00% APY....

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Mountain America Credit Union Ups 60-Month CD/Growth CD Rates
Deal Summary: 60-month Certificate, 3.25% APY $500 minimum deposit, one-time bump-up option. 60-month Growth Certificate, 3.25% APY $5 min/$100k max, additional deposits up to $100k max allowed throughout the term, minimum $10 automatic monthly deposit required.

Availability: Easy membership requirement.

For a limited time, Utah-based Mountain America Credit Union (MACU) is offering a 60-month Certificate earning 3.25% APY with a one-time bump-option at no charge. Normally, a MACU rate bump option is offered on a Certificate with a rate that is discounted 25 bps below the...

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Mountain America Credit Union's Competitive Growth (Add-On) CDs
Deal Summary: Growth CDs (terms between 6-60 months), $5 min/$100k max, additional deposits allowed throughout the term, minimum $10 automatic monthly deposit.

Availability: Easy membership requirement.

Five years ago, Utah-based Mountain America Credit Union (MACU) unveiled its Term Deposit Plus accounts, a slightly ambiguous name for an add-on CD. About two years ago, MACU changed the names of several of its products “to better align with industry standards,” with the Term Deposit Plus accounts becoming known as Growth CDs.

Those who opened these Growth CDs before 2020 are...

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Mountain America Credit Union Lowering Rates Tomorrow
Deal Summary: Some Term Deposit rates will be lowered on March 22, 2019.

Availability: Easy membership requirement

I was notified this morning that Mountain America Credit Union (MACU) will be lowering the rates on some of its Term Deposits (MACU’s version of CDs) tomorrow. The Term Deposits affected by the rate changes are:

Lowered APYCurrent APYTerm Deposit Length
2.75% APY3.25% APY24-Month Term (Regular, IRA, Roth, Plus)
3.00% APY3.51% APY24-Month Term (Youth)
2.80% APY3.00% APY30-Month Term (Regular, IRA, Roth, Plus)
2.90% APY3.51% APY30-Month Term (Youth)
2.90% APY3.35% APY36-Month Term (Regular, IRA, Roth, Plus)
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