*1.25% APY (annual percentage yield) on a three (3) year Certificate of Deposit, 1.85% APY on a four (4) year Certificate of Deposit, and 2.25% APR on a five (5) year Certificate of Deposit. Annual percentage yields are effective 2/1/2014 through 2/28/2014. Minimum Deposit of $2,000 required to open and earn stated APY. Interest on CDs longer than 12 months must be paid out at least annually. Certain restrictions and limitations apply to accounts opened online. Online account opening only available for consumer accounts. Business Accounts, IRAs and consumer accounts can be opened at any Gulf Coast Bank & Trust branch. Penalty for early withdrawal will apply and may reduce earnings on the account. Unless you instruct us otherwise, the CD will automatically renew for the same term at our Standard CD rates in effect at the time of renewal. Other restrictions may apply.