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IRA Rates

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IRA Certificates

Effective Date 1/13/2023

APY = Annual Percentage Yield


Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
12 Month
  Dividend Rate 1.931% 1.980% 2.029% 2.078% 2.176%
  APY 1.95% 2.00% 2.05% 2.10% 2.20%
24 Month
  Dividend Rate 3.440% 3.489% 3.537% 3.585% 3.682%
  APY 3.50% 3.55% 3.60% 3.65% 3.75%
36 Month
  Dividend Rate 2.225% 2.274% 2.323% 2.372% 2.469%
  APY 2.25% 2.30% 2.35% 2.40% 2.50%
48 Month
  Dividend Rate 2.421% 2.469% 2.518% 2.567% 2.664%
  APY 2.45% 2.50% 2.55% 2.60% 2.70%
60 Month
  Dividend Rate 2.664% 2.713% 2.762% 2.810% 2.907%
  APY 2.70% 2.75% 2.80% 2.85% 2.95%

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

APY = Annual Percentage Rate

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+

Rates are subject to change without notice. Dividends compound monthly.  Fees could reduce earnings.

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