Best Certificate Of Deposit How Does This Certificate Of Deposit Penalty For Early Withdrawal Work?

How does this Certificate of Deposit penalty for early withdrawal work? - best certificate of deposit

There is a 5-year certificate of deposit has a 6%. Pena is .75% (5.25% interest) for each year that has already withdrawn the money.
Does this mean that the withdrawal of, say, the year in the 3rd 6% during the first 2 years and 5.25% for the 3rd would be, or would be 5.25% for 3 years?