1. Credit scores are determined by multiple factors, and KTVAECU® does not guarantee a credit score increase and is not accountable for a credit score decrease. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. 2. Some restrictions may apply. Term must be decided at the time of account opening and may not be changed over the term of the account. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. Additional deposits allowed within the term of the certificate account. No limits required for additional deposits.