*APY = Annual Percentage Yield. Minimum deposit is $2,500.00.  30-month term. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals on Share Certificates with terms of 12-months or more will incur a penalty of 180 days of dividends, whether earned or not. Rates effective 07/01/2018. Offer also available for IRAs  (Individual Retirement Accounts). Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account.