Investment account for 6-month to 60-month term. Minimum deposit of $500 required to open a certificate of deposit. Quarterly interest compounded or deposited into a share or checking account. Automatically renewable with a 10-day grace period. Early withdrawal penalty of 90 days interest if the certificate had an original maturity of 12 months or less, or a penalty of 180 days interest if the certificate had an original maturity of over 12 months. NCUSIF insured.