Can I withdraw my money early?

Yes, you can withdraw your funds early, but early withdrawals come with a penalty:

• For certificates open 6 days or fewer: Penalty of seven days’ dividends.
• For terms of 12 months or less: Penalty of 90 days’ dividends.
• For terms longer than 12 months: Penalty of 180 days’ dividends.

If you need easier access to your funds, consider opening a traditional savings account or money market.