*APY - Annual Percentage Yield.**APR - Annual Percentage Rate. Rates are subject to change without notice. Rate and term are dependent upon credit qualifications and/or amount financed. Loan rates listed are the lowest and highest APRs available. Your actual rate is based on previous credit performance. Lowest rate shown is for well-qualified borrowers and includes automatic payment discount. Dividends are paid from current income and available earnings after required transfers to reserves. Fees may reduce earnings. Certificate Minimum Deposit Requirements: $25 for a My Savings Starter Certificate or a 6-month term My Savings Builder Certificate, $500 for regular Certificates, and $5,000 for Priority Certificates. The My Savings Builder Certificate has a $1,000 deposit maximum, and cannot be opened as an IRA or ESA. Certificates and IRA Certificates may have a penalty for early withdrawal. Please reference "Important Account Information" for additional information. For additional rate information, please call (719) 574-1100 or 800-525-9623.