ROYAL CREDIT UNION 23% APY* 12-MONTH CERTIFICATE OFFER ENDS FEBRUARY 28 rcu.org/certificate 1-800-341-9911 Insured by NCUA. ·APY = Annual Percentage Yidd. Rates ament as of Rtes arent as of 1/15/19. Last changed on 1/15/2019. The above rates are subject to change at any time without notice. Minimum balance of $100 to open certificate and to eam dividends. Dividends calculated daly, compounded and pald monthly. Substantial penalty for early withdrawal. Charges could reduce the eamings on the account.