If your certificate is invested for 24 months or less, the penalty is the lesser of actual dividends earned from the date of issuance or 90 days of dividends. If the term of the certificate is longer than 24 months, the penalty is the lesser of dividends earned from the date of issuance or 180 days of dividends. If you need immediate access to the funds, we may be able to offer you a certificate-secured loan. This will allow you to retain your certificate and avoid the penalty for early withdrawal. For IRA certificates, please consult your tax advisor for possible tax implications. For more information, please call a member service representative at (888) 858-6878.