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*The Annual Percentage Yield (APY) for the 12-Month Certificate of Deposit (CD) is 1.65%. The APY for the 18-Month Step-Up CD is 1.80%. The 18-month term CD allows a one-time step up in rate. If at any time during the term of this CD, a better CD rate is offered by our bank for the same term, you may request in writing to have the rate stepped up to that rate for the remainder of the term of the CD. The APY for the 24-Month CD is 2.00%. These APYs are accurate as of February 28, 2018 and are subject to change without notice. The 12-Month, 18-Month and 24-Month CD products may be discontinued at any time. The minimum deposit required to open a 12-Month, 18-Month or 24-Month CD is $1,000. Funds deposited must be new money, meaning funds not already on deposit or held at Opus Bank at the time of account opening. Funds withdrawn from Opus Bank within 30 days prior to account opening are also restricted. The 12-Month, 18-Month and 24-Month CDs are personal accounts and cannot be opened under the name of a business. Early withdrawal penalties apply. Fees may reduce earnings. APY assumes interest remains on deposit until maturity.