With an investment as low as $5,000.00, interest rates be locked in for terms of either fifteen (15) or thirty (30) months. Members can also make deposits over $1,000.00 to this account at any time. Another great feature is members are allowed to change the interest rate once during the term. Members can really increase earnings if they feel rates have changed significantly. There is a six (6) month penalty for early withdrawal. Here is another great example of our philosophy: People helping people.