Fees could reduce earnings on the account. The annual percentage yield assumes dividends will remain on deposit until maturity. Dividends on your account will be credited by adding the dividends to the principle. Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). The dividend rate and annual percentage yield (APY) may change. Rates are effective as of and are subject to change without notice.ġFixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000.