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All examples are hypothetical and for illustrative purposes and not intended to provide investment or financial advice. APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. IRA Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. IRA Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). IRA Certificates may add 0.10 to the dividend rate above. Some restrictions may apply. Ask for details. Talk to a financial advisor regarding individual scenarios. There is a charge for non-club checks.