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*APY=Annual Percentage Yield. The Winter WOW rate is for a 24-month term promotional share certificate. This offer, including the stated APY, is effective January 22, 2019. Signal Financial reserves the right to end or modify this offer at any time. Minimum amount required to open is $500. No minimum balance required to earn stated APY. Early withdrawals may be subject to penalties. Penalties and withdrawals may reduce earnings.