*APY = Annual Percentage Yield. Rates effective as of January 24, 2023. Certificate must be opened with funds not currently on deposit with the credit union. Offers and rates subject to change or end without notice. A penalty may apply for early withdrawal. Special 9-month Certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise. A deposit of $1.00 into a Smart Savings account is required to join Premier America Credit Union. For businesses, a deposit of $250 into a Business Savings account is required to join Premier America Credit Union. Taxpayer identification number and government issued identification featuring a physical address, required to establish membership. Federally Insured by NCUA.