*The 3.30% dividend rate and 3.35% annual percentage yield (APY) are accurate as of 1/1/2019, with a minimum opening balance of at least $1,000. Additions may not be made into the account after the account is opened until the maturity date stated on the account. Accrued dividends will not be paid if the account is closed before dividends are paid on the account. Penalties for early withdrawal will reduce earnings. Early withdrawal will result in a penalty equal to 180 days’ dividends. The APY is based on the assumption that dividends will remain in the account until maturity. The share certificate will automatically renew to a standard 24-month share certificate at the current rate at the time of maturity. Dividend rates are declared by The Board of Directors of Tinker Federal Credit Union and are subject to change at any time. Tinker Federal Credit Union membership is required, which involves opening an initial share (savings) account with a $5 deposit. Before opening an IRA share certificate, an IRA share account must be established. For more information, current rates, and terms, visit www.tinkerfcu.org or any TFCU branch, or call (405) 732-0324 or 1-800-456-4828.