Step Up CD as high as 3.75% APY1 Rate steps up from 2.75% APY after 36 months! Includes a penalty-free withdrawal. Open yours at adviacu.org/stepup, or stop by any branch location. advia credit union 1 APY = Annual Percentage Yield. Rato effective November 30, 2018 and subiect to change daily. 2 Thirty-six (36) months after opening this 60-month CD, you will enjoy atwo-week, penalty-free withdrawal period, and the dividend rate will automatically increase to the 'as high as' rate indicated for the final twenty-four (24) months of the share certificate's term, as stated on the disclosure provided at time of opening. Federally insured by NCUA