*2.40% Annual Percentage Yield (APY) Certificate offer valid from 1/1/19 and can be modified or canceled at any time. Must be opened at an APFCU or a Division of APFCU branch. Limit: one Certificate per primary member of APFCU or a Division of APFCU. Membership ($5 in regular savings), new Checking account opened on or after 9/1/18 with minimum balance of $100 and direct deposit required. Without a new Checking account and direct deposit, 2.20% APY Certificate will be offered. Must be new funds, deposited from a financial institution other than APFCU or a Division of APFCU. Penalty for early withdrawal. Other restrictions may apply. See branch for details.