National ATMsIRA Rates
IRA Certificates
Effective Date 11/13/2026
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
|
4.05% APY
3.976% Rate
|
4.15% APY
4.073% Rate
|
4.15% APY
4.073% Rate
|
4.15% APY
4.073% Rate
|
| 24 Month |
3.60% APY
3.542% Rate
|
3.65% APY
3.591% Rate
|
3.70% APY
3.639% Rate
|
3.75% APY
3.688% Rate
|
3.85% APY
3.783% 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 11/1/2026
APY = Annual Percentage Yield
| Balance Tier | Dividend Rate | APY | Min Opening Deposit |
|---|---|---|---|
| $0 - $2,499 |
0.250%
|
0.25%
|
$25.00
|
| $2,500 - $9,999 |
0.250%
|
0.25%
|
$25.00
|
| $10,000 - $24,999 |
0.300%
|
0.30%
|
$25.00
|
| $25,000 - $49,999 |
0.350%
|
0.35%
|
$25.00
|
| $50,000 - $99,999 |
0.400%
|
0.40%
|
$25.00
|
| $100,000 - $149,999 |
0.450%
|
0.45%
|
$25.00
|
| $150,000+ |
0.500%
|
0.50%
|
$25.00
|
Rates are subject to change without notice. Dividends compound monthly. Fees could reduce earnings.
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