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APY is Annual Percentage Yield. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. The minimum opening deposit is $500.00. Withdrawals and fees may reduce earnings. On Term Share accounts (Certificates of Deposit), a penalty may be imposed for early withdrawal. Interest will be compounded daily and be paid monthly. If at maturity your CD type is set not to renew, the CD will be closed, and the funds transferred to your savings account or other account designated by you. If your CD is set to automatically renew and the CD type is no longer being offered, the CD will renew for the next shorter term, unless the CD disclosure documents indicate otherwise. Current rates are available at FCCU.org. Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.