National ATMsIRA Rates
IRA Certificates
Effective Date 4/25/2025
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 | 3.928% | 3.977% | 3.977% | 4.073% | 4.073% | |
| APY | 4.00% | 4.05% | 4.05% | 4.15% | 4.15% | |
| 24 Month | ||||||
| Dividend Rate | 3.348% | 3.397% | 3.445% | 3.494% | 3.590% | |
| APY | 3.40% | 3.45% | 3.50% | 3.55% | 3.65% | |
| 36 Month | ||||||
| Dividend Rate | 3.203% | 3.251% | 3.300% | 3.348% | 3.445% | |
| APY | 3.25% | 3.30% | 3.35% | 3.40% | 3.50% | |
| 48 Month | ||||||
| Dividend Rate | 2.960% | 3.008% | 3.057% | 3.105% | 3.203% | |
| APY | 3.00% | 3.05% | 3.10% | 3.15% | 3.25% | |
| 60 Month | ||||||
| Dividend Rate | 3.057% | 3.105% | 3.154% | 3.203% | 3.300% | |
| APY | 3.10% | 3.15% | 3.20% | 3.25% | 3.35% | |
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
| 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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