National ATMsIRA Rates
IRA Certificates
Effective Date 5/16/2025
APY = Annual Percentage Yield
| Term | $500-$24,999 | $25,000-$49,999 | $50,000-$99,999 | $100,000-$149,999 | $150,000+ |
|---|---|---|---|---|---|
| 12 Month | 4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.10% APY 4.025% Rate |
4.10% APY 4.025% 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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