- APY= Annual Percentage Yield. For a limited time only. The Forward Flex Certificate is for 24 months and has a variable rate based on the Fed Funds rate. The Annual Percentage Yield of 3.25% is accurate as of 10/1/2022 and may change monthly at the beginning of the next dividend cycle. The APY is subject to a ceiling of 4.5% and a floor of 0.75%. Funds are locked with normal early withdrawal penalty. At maturity, the Forward Flex Certificate will automatically renew as a 24 Month Term Share Certificate. At maturity, the 18-month Certificate Special will automatically renew as a 12-month Term Share Certificate. 13-month Certificate Special will renew as a 12-month Term Share Certificate. 9-month Certificate Special will renew as a 6-month Term Share Certificate. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency.