*APY = Annual Percentage Yield. All iTHINK Financial Certificates are subject to eligibility, address and identification verification, and qualification. Please refer to the current Membership Disclosure and Fee Schedule, or contact a Member Service Advisor for details on the rates, terms, penalties, fees, and conditions that may apply. An early withdrawal penalty may apply. Limited time offer, subject to change without notice. Fees could reduce the earnings on the account. Federally insured by NCUA.