14 DECEMBER 19, 2019 RIDGEWOOD TIMES WWW.QNS.COM
POWER UP YOUR SAVINGS
LIMITED TIME
24-Month Smart Certificate special
MAKE A PENALTY FREE
WITHDRAWAL AFTER YEAR 1!*
YEAR 1
YEAR 2
Certificate account
Certificate account
2.00%
2.30%
APY*
Savings federally insured to $250,000
To learn more visit
www.teachersfcu.org/smart
631-698-7000 ext. 6780
The Credit Union For You
APY*
*All rates and terms are subject to change without notice. Annual Percentage Yield (APY) accurate as of
12/16/2019. Limited time offer. Early penalty may be imposed on early withdrawals. Minimum opening
balance: $1,000. One year certificate rate will be 2.00% APY, if no withdrawal is made, an automatic interest
rate increase on the one-year anniversary date for the term of the “Smart Certificate,” will be 2.30% APY.
For a period of seven (7) calendar days following the one-year anniversary date, you may withdraw some
or all of your money with no penalty. The “Smart Certificate,” Blended 2.15% (APY) reflects the total
interest that will be paid during the term of the certificate and assumes accrued and credited dividends will
remain in the account until maturity. At the two year maturity date, if renewed, the “Smart Certificate,” will
renew as a standard (non-rising rate), fixed certificate (or IRA Certificate) of the same term at current
market rate. Notice will not be sent on the one-year anniversary date; contact TFCU if funds are to be
withdrawn after one year. “Smart Certificate,” is eligible for all account types. Teachers Federal Credit Union
reserves the right to discontinue this promotion at anytime at our sole discretion.
Call Now & End Your Tax Nightmare!
��������������������������������������
��������������������������������������
��������������������������������
��������������������������������������������������
������������������������������������������
Co-Author of the
best selling book
“Breaking the Tax Code”
��������������������������������
��������������������������������
Salvatore P. Candela, EA, ATA, ABA
Enrolled Agent - Tax Advisor
����������������������������������������������������������������
������������������������������������������������������
Last GIFTING
minute
LOOK FOR OUR CIRCULAR
IN TODAY’S PAPER!
VISIT PCRICHARD.COM FOR A STORE NEAREST YOU
/smart
/WWW.QNS.COM
/smart
/PCRICHARD.COM
