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 + APY = Annual Percentage Yield. The APY assumes dividends remain in your Share Certificate Account until maturity. Share Certificates are subject to early withdrawal penalties and any withdrawal prior to maturity will reduce earnings. Dividends accrue daily and are compounded and paid quarterly. Dividend accrual starts on the day a deposit is posted to your Share Certificate Account. Northern Skies FCU reserves the right to change or cancel the promotion at any time. There is a $500 minimum opening balance. Funds must be new money and the promotion does not apply to Individual Retirement Account (IRA) certificates. Upon maturity, the 11 month Share Certificate will roll into a new 12 month Share Certificate and the 23 month Share Certificate will roll into a new 24 month Share Certificate, unless the credit union is notified within the 10-day grace period of the maturity date. Click here for Special Share Certificate Truth in Savings.