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Kinetic Summer of Savings An image of people jumping on a beach Special Certificate Rate Only During the Month of June. 2.00% APY for 20 months. APY = Annual Percentage Yield Open your account now for as little as $200. You can also makde deposits throughout the term of the account. Call 706-620-8500. Kinetic Logo *APY = Annual Percentage Yield. 2 for 20 Certificate Special is effective June 1 – June 30. The Special 20-Month Certificate has a $200 minimum balance to open. This offer is only available for Share Certificates. Additional deposits are allowed at any time during the term of the certificate. Penalties apply for early withdrawals. Other restrictions may apply.