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Certificates of Deposit (also known as CDs) allow you to earn a higher return for your money. A variety of terms allow you to select the option that makes the most sense for your financial goals. Please note there may be a penalty for early withdrawal. Call any one of our four branches for CD rates.
A traditional IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. Call any one of our four branches for current IRA rates.
| Account Type | Minimum to Open | Minimum balance to obtain APY** | Interest Rate | APY** |
|---|---|---|---|---|
| 3 month CD | $1,000 | no | 0.60% | 0.60% |
| 6 month CD | $1,000 | no | 0.70% | 0.70% |
| 12 month CD | $1,000 | no | 0.85% | 0.85% |
| 15 month CD SPECIAL | $5,000 | $5,000 - $24,999
$25,000 and over | 3.75%
4.05% | 3.80%
4.11% |
| 24 month CD | $1,000 | no | 1.00% | 1.00% |
| 27 month CD SPECIAL | $5,000 | $5,000 - $24,999
$25,000 and over | 3.35%
3.85% | 3.39%
3.91% |
| 36 month CD | $1,000 | no | 1.20% | 1.21% |
| 48 month CD | $1,000 | no | 1.50% | 1.51% |
| 32 month SPECIAL | $5,000 | $5,000 - $24,999
$25,000 and over | 2.06%
3.25% | 2.08%
3.29% |
| 13 month SPECIAL
(renewable CDs only) | $5,000 | $5,000 - $49,999
$50,000 and over | 1.10%
1.55% | 1.09%
1.54% |
| 14 month SPECIAL
(renewable CDs only) | $5,000 | $5,000 | 0.10% | 0.10% |
| IRA
(18 month maturity with quarterly variable rate) | no | $1.00 - $99,999
$100,000 - $249,999 $250,000 and over | 2.25%
2.55% 2.75% | 2.27%
2.57% 2.78% |
Substantial penalty of three months interest for early withdrawal may be imposed.
Deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.
**(APY) Annual Percentage Yield is accurate as of January 4, 2023.
Fees could reduce the earnings on your account.
The interest rate may change daily after the account is opened.
Interest compounded quarterly.
Certificates of deposit will renew 10 days after the maturity date if not redeemed.