National ATMsIndividual Retirement Accounts (IRA)
Reliable growth you can actually see.
Invest your hard-earned money and earn higher dividends while having peace of mind knowing your money is safe and secure. Choose from various terms and tiered rates and meet your retirement goals.
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IRA Certificate rates starting at 3.50% APY*!
Open an IRA account today!
Find a Local Branch Rates
IRA Savings:
- Traditional IRA, SEP IRA, Roth IRA, Simple IRA, Coverdell Education Savings Account*
- Earnings may be tax-free if account requirements are met and withdrawals are used for appropriate account purpose
- All IRA rules apply
- Minimum deposit to open account is $25.00
- Tiered Account to earn interest - Check rates
- Earns dividends (figured daily, compounded monthly)
- No monthly or yearly service charge or fees
IRA Certificate:
- Traditional IRA, SEP IRA, Roth IRA, Simple IRA, Coverdell Education Savings Account*
- Terms available include 12, 24, 36, 48, and 60 months
- Five rate tiers for each term available - Check rates
- Minimum deposit to open varies by rate tier
- Certificates are automatically renewable - 10 day grace period at maturity
- Early withdrawal fee is forgiven for a qualified distribution reason
- Earns dividends (figured daily, compounded monthly)
- No monthly or yearly service charge or fees
*Dividends are tax-deffered for Traditional, SEP and Simple IRA. Earnings on a ROTH are tax-free for account owners who meet a five year holding period and withdraw the funds for a qualified reason. Coverdell Education Savings Account: Earnings grow tax-free if used for education expenses.
Pick your IRA
What savings method is best for you?
Choose an IRA Savings account if...
- You want to start planning for retirement but may need access to the funds
- You prefer to contribute smaller amounts over a period of time instead of a large lump sum in the beginning
- You've started saving but want to grow your retirement nest egg
Choose an IRA Certificate if...
- You have a large lump sum of money to invest
- You are comfortable with not having access to your funds for a period of time
- You want to earn interest more quickly on your investment
IRA Certificate Rates
Effective Date 3/17/2023
| Account Term | $500-$24,999 | $25,000-$49,999 | $50,000-$99,999 | $100,000-$149,999 | $150,000+ | |
|---|---|---|---|---|---|---|
| 12 Month | ||||||
| Dividend Rate | 2.423% | 2.472% | 2.521% | 2.570% | 2.667% | |
| APY | 2.45% | 2.50% | 2.55% | 2.60% | 2.70% | |
| 24 Month | ||||||
| Dividend Rate | 3.445% | 3.494% | 3.542% | 3.590% | 3.687% | |
| APY | 3.50% | 3.55% | 3.60% | 3.65% | 3.75% | |
| 36 Month | ||||||
| Dividend Rate | 2.667% | 2.716% | 2.765% | 2.813% | 2.911% | |
| APY | 2.70% | 2.75% | 2.80% | 2.85% | 2.95% | |
| 48 Month | ||||||
| Dividend Rate | 2.765% | 2.813% | 2.862% | 2.911% | 3.008% | |
| APY | 2.80% | 2.85% | 2.90% | 2.95% | 3.05% | |
| 60 Month | ||||||
| Dividend Rate | 2.960% | 3.008% | 3.057% | 3.105% | 3.203% | |
| APY | 3.00% | 3.05% | 3.10% | 3.15% | 3.25% | |
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
Penalty for early withdrawal: Terms of 12 months but less than 24 months = 180 Days' Dividends; Terms of 24 months or greater = 365 Days' Dividends.
For IRA Certificate accounts, the minimum opening deposit must be at least $500.00 per certificate.
IRA Savings Rates
Effective Date 9/1/2022
| Dividend Rate | APY | Min Opening Deposit | Min Balance to Earn Stated APY |
|---|---|---|---|
| 0.15% | 0.15% | $25.00 | $0 - $2,499 |
| 0.15% | 0.15% | $2,500 - $9,999 | |
| 0.20% | 0.20% | $10,000 - $24,999 | |
| 0.25% | 0.25% | $25,000 - $49,999 | |
| 0.30% | 0.30% | $50,000 - $99,999 | |
| 0.35% | 0.35% | $100,000-$149,999 | |
| 0.40% | 0.40% | $150,000+ |
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly. Fees could reduce earnings.
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