*APY = Annual Percentage Yield. Rates accurate as of January 2, 2026. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 9-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000 and greater. Fees may reduce earnings. Penalty may apply for early withdrawal. At maturity, certificate will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.