From my federal credit union Term Minimum Balance to Open and Obtain APY Dividend Rate Annual Percentage Yield 31 day $1,000 0.995% 1.000% 3 month $500 2.967% 3.000% 4 month $500 4.745% 4.830% 6 month - regular & variable $500 3.552% 3.600% 9 month $500 4.812% 4.900% 12 month $500 3.601% 3.650% Just this AM I bought 4 and 9 month certificates in amounts big enough to pay next year's property taxes.