National ATMsIRA Rates
IRA Certificates
Effective Date 9/29/2025
APY = Annual Percentage Yield
| Term | $500-$24,999 | $25,000-$49,999 | $50,000-$99,999 | $100,000-$149,999 | $150,000+ |
|---|---|---|---|---|---|
| 12 Month |
3.90% APY
3.831% Rate
|
3.90% APY
3.831% Rate
|
3.90% APY
3.831% Rate
|
4.00% APY
3.929% Rate
|
4.00% APY
3.929% Rate
|
| 24 Month |
3.40% APY
3.348% Rate
|
3.45% APY
3.397% Rate
|
3.50% APY
3.445% Rate
|
3.55% APY
3.494% Rate
|
3.65% APY
3.590% Rate
|
| 36 Month |
3.25% APY
3.203% Rate
|
3.30% APY
3.251% Rate
|
3.35% APY
3.300% Rate
|
3.40% APY
3.348% Rate
|
3.50% APY
3.445% Rate
|
| 48 Month |
3.00% APY
2.960% Rate
|
3.05% APY
3.008% Rate
|
3.10% APY
3.057% Rate
|
3.15% APY
3.105% Rate
|
3.25% APY
3.203% Rate
|
| 60 Month |
3.10% APY
3.057% Rate
|
3.15% APY
3.105% Rate
|
3.20% APY
3.154% Rate
|
3.25% APY
3.203% Rate
|
3.35% APY
3.300% Rate
|
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 9/16/2024
APY = Annual Percentage Yield
| Balance Tier | Dividend Rate | APY | Min Opening Deposit |
|---|---|---|---|
| $0 - $2,499 |
0.15%
|
0.15%
|
$25.00
|
| $2,500 - $9,999 |
0.15%
|
0.15%
|
$25.00
|
| $10,000 - $24,999 |
0.20%
|
0.20%
|
$25.00
|
| $25,000 - $49,999 |
0.25%
|
0.25%
|
$25.00
|
| $50,000 - $99,999 |
0.30%
|
0.30%
|
$25.00
|
| $100,000 - $149,999 |
0.35%
|
0.35%
|
$25.00
|
| $150,000+ |
0.40%
|
0.40%
|
$25.00
|
Rates are subject to change without notice. Dividends compound monthly. Fees could reduce earnings.
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