This account provides you with a very competitive dividend rate for a fixed period of time (from six months to five years). For your convenience, you can withdraw your dividends prior to the maturity of your certificate, but the principal you invest may not be withdrawn without penalty until the end of the term you select. When the account matures, you can roll over the account automatically or have the funds distributed to meet your investment needs. Enjoy earning high dividends on this account and you'll see how profitable it is to be a Credit Union member.