1. The interest rate is 2.65% with an annual percentage yield (APY) of 2.68%, accurate as of 10-01-2025 and subject to change. You may change the interest  rate once during the term if the bank’s rate for the same term Flex CD  increases. Withdrawals will reduce earnings. A minimum deposit of $500 is required to open the account. You may make additional deposits in increments of $100, up to one-half of  the initial principal balance. You may make one withdrawal of up to one-half  of the initial principal balance without penalty during the term. Your account will mature in 15 months. Withdrawals of principal before maturity are subject to a penalty of 90 days’ interest on amounts exceeding one-half of the initial principal balance and on any withdrawals after the  first. If the funds are withdrawn within the first 90 days of account opening, the penalty may reduce principal. The rate in effect on the date of withdrawal will apply. You will have 10 days after maturity to withdraw funds without penalty. Unless withdrawn, the account will automatically renew to  the bank’s standard 12-month CD at the rate in effect on the renewal date.