APY = Annual Percentage Yield. Dividend rates for new Share Term Certificates may be subject to change daily at the discretion of the LGFCU Board of Directors. Applicable fees could reduce balance on account. Minimum deposit and balance of $250 required to open the account and earn advertised APY. Dividends are automatically paid monthly by transfer from the STC to another deposit account. If the term is six or 12 months, you may request that your dividends be paid when the STC matures. Early withdrawal penalty for all STCs is 90 days’ dividends or the actual dividends earned, whichever is less.