Certificates of Deposit (CD)

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CentricityCU – NMLS# 712334

Feather Tankersley – NMLS# 1016179

Linda Proctor – NMLS# 343288

Billye Coenen – NMLS# 758779

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Short Term Estimate

Interest accredited monthly.

Deposit limit: $500 & above

Rates Effective as of: 11-30-2023

Short term – Certificate of Deposit

Term

Interest Rate

APY

6 Month

3.92%

4.0%

10 Month NEW MONEY (80th Anniversary Special)

5.50%

12 Month

1.50%

1.51%

NEW MONEY = funds that are not currently on deposit with Centricity Credit Union

Three (3) missed auto transfers will result in the Certificate being transferred to the regular Certificate type of matching term and a lower rate will apply.

RENEWAL POLICY. Unless you otherwise instruct us, your term share account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

EARLY WITHDRAWAL; PENALTIES. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The penalty is calculated as a forfeiture of part of the interest that has been or would have been earned on the account and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within seven days after the establishment of the account; (3) If the account is a Keogh Plan, provided that the depositor forfeits an amount at least equal to the simple interest earned on the amount withdrawn; or (4) if the account is an IRA or Keogh Account and the owner attains the age of 59 1/2 or becomes disabled.

MATURITY. Your account will mature as indicated on your account summary or statement.

Final Balance

Contributions: | Earnings:

Initial Deposit

$

APY*

%

Monthly Contribution

$

Months

6 12

Long Term Estimate

Interest accredited semi-annually.

Deposit limit: $500 & above

Rates Effective as of: 11-30-2023

Long Term – Certificate of Deposit Rates

Term

Interest Rate

APY

24 Month

1.75%

1.76%

36 Month

2.00%

2.02%

48 Month

2.25%

2.27%

60 Month

2.50%

2.53%

Three (3) missed auto transfers will result in the Certificate being transferred to the regular Certificate type of matching term and a lower rate will apply.

RENEWAL POLICY. Unless you otherwise instruct us, your term share account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

EARLY WITHDRAWAL; PENALTIES. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The penalty is calculated as a forfeiture of part of the interest that has been or would have been earned on the account and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within seven days after the establishment of the account; (3) If the account is a Keogh Plan, provided that the depositor forfeits an amount at least equal to the simple interest earned on the amount withdrawn; or (4) if the account is an IRA or Keogh Account and the owner attains the age of 59 1/2 or becomes disabled.

MATURITY. Your account will mature as indicated on your account summary or statement.

Final Balance

Contributions: | Earnings:

Initial Deposit

$

APY*

%

Monthly Contribution

$

Months

24 36 48 60

CD Form

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Rates

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Rates Effective as of: 11-30-2023

Term Share Certificates (CDs) Rates

Term

Interest Rate

APY

Minimum Balance

Interest Credited

6 Month

3.92%

4.0%

$500

Quarterly

10 Month NEW MONEY (80th Anniversary Special)

5.50%

$500

At Maturity

1 Year

1.50%

1.51%

$500

Quarterly

2 Year

1.75%

1.76%

$500

Semi-Annually

3 Year

2.00%

2.02%

$500

Semi-Annually

4 Year

2.25%

2.27%

$500

Semi-Annually

5 Year

2.50%

2.53%

$500

Semi-Annually

NEW MONEY = Funds that are not currently on deposit with Centricity Credit Union

Three (3) missed auto transfers will result in the Certificate being transferred to the regular Certificate type of matching term and a lower rate will apply.

RENEWAL POLICY. Unless you otherwise instruct us, your term share account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

EARLY WITHDRAWAL; PENALTIES. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The penalty is calculated as a forfeiture of part of the interest that has been or would have been earned on the account and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within seven days after the establishment of the account; (3) If the account is a Keogh Plan, provided that the depositor forfeits an amount at least equal to the simple interest earned on the amount withdrawn; or (4) if the account is an IRA or Keogh Account and the owner attains the age of 59 1/2 or becomes disabled.

MATURITY. Your account will mature as indicated on your account summary or statement.

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