*Offer may be cancelled at any time. Referring Member can receive a $100 bonus for each eligible referred friend or family member who opens a 5-Month or 12-Month Certificate using the promo code “RAFCERT24” with at least $25,000 in new money—this Certificate cannot be funded with money already in a KeyPoint account. Referral bonus of $100 credited to referring Member’s KeyPoint account within 30 days of referred Member opening a Certificate with the required minimum deposit of new money. Limited to one Certificate per referred Member. Referred Member must provide promo code “RAFCERT24” and referring Member’s name at the time of Certificate account opening. **APY=Annual Percentage Yield, available as of 9/11/2024 and subject to change without notice. Certificates may be subject to early withdrawal penalties. ADDITIONAL INFORMATION. (1) This offer cannot be combined with other promotions. (2) KeyPoint employees, officials and their immediate families cannot participate. Other restrictions may apply. (3) Taxes on bonuses, if any, are the recipient’s responsibility. KeyPoint complies with federal and state tax reporting laws.