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*Annual Percentage Yield. 2.00%APY valid on 18 month share certificate of $5,000 or more. 1.01%APY valid on 12 month share certificate of $5,000 or more. 0.75%APY valid on 6 month share certificate of $5,000 or more. Cruise certificate offer is a limited time offer. While supplies last. Receive a 5 Day/4 Night Cruise Certificate when you open a qualifying share certificate with at least $10,000 of new money. Up to a $1798 Value. Cruise Certificate recipient is responsible for port charges, taxes, customs and fulfillment fees. View details. See cruise certificate for full details.