The higher rate for the Soar Money Market share is applied during the months you are an active Rewards+ Member. The higher share certificate rate is only available for new certificates when you are an active Rewards+ Member. Once the certificate is established, the rate stays in effect for the duration of the term, regardless of your Rewards+ status. Upon Maturity, the certificate renewal rate options available will be based upon your Rewards+ relationship standing at the time of maturity.