*APY = Annual Percentage Yield. Certificate must be opened between 04/01/18 – 6/15/18. Penalty for early withdrawal. Minimum balance to obtain the APY is $1,000. Certificate must be on an Upward Credit Union deposit account with an open date on or before 2/15/18 and the funds used to open the certificate must have been on deposit as of 2/15/18. See credit union for details.