Guaranteed returns and FDIC insured up to $100,000 • $1,000 minimum deposit • Various terms from 91 days to 60 months to fit your investment goals • Competitive Annual Percentage Yields • CD with a term of 12 months or longer interest is compounded daily and credited monthly • CD with a term less than 12 months simple interest is paid monthly • Spencer offers the convenience of automatic renewal • Premium Annual Percentage Yield for Spencer Plus and Spencer Gold customers • Convenience of a monthly check or automatically transfer funds to another Spencer account * Premature withdrawal penalties may apply.