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IRA Rates

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IRA Certificates

Effective Date 3/17/2023

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 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%

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 Yield

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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