** You agree to make regularly scheduled deposits to Build-a-dream certificates. No minimum deposit required. Penalty applies for early withdrawals of certificates. The IRS may impose penalties for early withdrawals from IRAs. Rates are variable and are determined at the discretion of the Board of Directors. The Annual Percentage Yield´s (APY) shown were offered within the effective dates shown above. Please call the Credit Union to obtain current rate information at (301) 839-8400.