Certificates & IRAs
Certificates
Get more bang for your buck! These fixed-term accounts pay higher dividends.
Tiered dividend rates
$1,000.00 minimum opening balance
Terms from 6 months to 5 years
No monthly service fee
Early withdrawal penalties apply. $25.00 fee plus 90-day dividends
IRAs
Save for retirement with an Individual Retirement Account!
We offer Roth and Traditional IRAs.
*IRA accounts are subject to a $20.00 annual fee.
Certificate Rates
Share Certificates
| Certificate (Rate paid monthly) | Rate | APY** |
|---|---|---|
| $1,000.00 Minimum Balance | ||
| 6-Month (minimum balance of $1,000.00) | 4.41% | 4.50% |
| 12-Month (minimum balance of $1,000.00) | 4.65% | 4.75% |
| 24-Month (minimum balance of $1,000.00) | 3.93% | 4.00% |
| 36-Month (minimum balance of $1,000.00) | 3.69% | 3.75% |
| 48-Month (minimum balance of $1,000.00) | 3.44% | 3.50% |
| 60-Month (minimum balance of $1,000.00) | 3.44% | 3.50% |
| $10,000.00 Minimum Balance | ||
| 6-Month (minimum balance of $10,000.00) | 4.41% | 4.50% |
| 12-Month (minimum balance of $10,000.00) | 4.65% | 4.75% |
| 24-Month (minimum balance of $10,000.00) | 3.93% | 4.00% |
| 36-Month (minimum balance of $10,000.00) | 3.69% | 3.75% |
| 48-Month (minimum balance of $10,000.00) | 3.44% | 3.50% |
| 60-Month (minimum balance of $10,000.00) | 3.44% | 3.50% |
| $25,000.00 Minimum Balance | ||
| 6-Month (minimum balance of $25,000.00) | 4.41% | 4.50% |
| 12-Month (minimum balance of $25,000.00) | 4.65% | 4.75% |
| 24-Month (minimum balance of $25,000.00) | 3.93% | 4.00% |
| 36-Month (minimum balance of $25,000.00) | 3.69% | 3.75% |
| 48-Month (minimum balance of $25,000.00) | 3.44% | 3.50% |
| 60-Month (minimum balance of $25,000.00) | 3.44% | 3.50% |
| $100,000.00 Minimum Balance | ||
| 6-Month (minimum balance of $100,000.00) | 4.41% | 4.50% |
| 12-Month (minimum balance of $100,000.00) | 4.89% | 5.00% |
| 24-Month (minimum balance of $100,000.00) | 3.93% | 4.00% |
| 36-Month (minimum balance of $100,000.00) | 3.69% | 3.75% |
| 48-Month (minimum balance of $100,000.00) | 3.44% | 3.50% |
| 60-Month (minimum balance of $100,000.00) | 3.44% | 3.50% |
IRA Certificates
| Certificate (Rate paid Monthly) | Rate | APY** |
|---|---|---|
| 12-Month Term ($1,000.00 Balance) | 0.99% | 1.00% |
| 12-Month Term ($10,000.00 Balance) | 0.99% | 1.00% |
| 12-Month Term ($25,000.00 Balance) | 0.99% | 1.00% |
| 12-Month Term ($100,000.00 Balance) | 0.99% | 1.00% |
Individual Retirement Accounts (IRAs)
| Account (Rate paid Monthly) | Rate | APY** |
|---|---|---|
| 0-$24,999.00 balance | 0.10% | 0.10% |
| $25,000.00 balance | 0.15% | 0.15% |
| $50,000.00 | 0.20% | 0.20% |
| $75,000.00 | 0.25% | 0.25% |
| $100,000.00 + | 0.30% | 0.30% |