*APY = Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. All Share Certificates require a minimum opening deposit of $500 ($250 for Live & Learn Accounts). Early withdrawal penalties apply. Membership eligibility required. Other terms and conditions may apply. Franklin-Oil Region Credit Union reserves the right to discontinue this offer at any time. Federally Insured by NCUA.