I took out a number of Certificates in 2014 and one was a 24 month Certificate that originally matured 1/2016 and which I rolled over for another year, making 1/2017 the new maturity date.
I have reason to need to make an early withdrawal of the Certificate and read the back of the Agreement and thought I understood that there would be a 180 day interest penalty. I sent in the request for the early withdrawal and a nice lady called to confirm what my penalty would be and it was almost double what I was expecting. I read the language to her that was on the back of the original certificate and she said that they had changed the language in 2015 and increased the penalty. I informed her that they never sent any notification of language changes (they just sent a one page letter confirming the rollover, presumably under the same terms, other than interest rate and maturity date). She offered to go up the food chain and in half an hour called me back to confirm that they would honor what I understood to the the case.
Be careful (as I know you all are, to the 3rd decimal level
Another thing that she made me aware of is that they have a Certificate loan that they offer that does not pull credit and has a lower interest payment than the early withdrawal penalty in some cases.
I was pleased with the communication overall and though they did have a process snafu they made good on it.