Certificate of Deposit and IRA Rates
Rates are subject to change.
Certificate of Deposit Accounts (CDs)
| ACCOUNT TYPE | APY* | INTEREST RATE | MINIMUM OPENING BALANCE |
| 3-Month Certificate | .05% | .05% | $500 |
| 6-Month Certificate | .15% | .15% | $500 |
| 9-Month Certificate | .20% | .20% | $500 |
| 12-Month Certificate | .25% | .25% | $500 |
| 15-Month Certificate | .40% | .40% | $500 |
| 18-Month Certificate | .30% | .30% | $500 |
| 24-Month Certificate | .35% | .35% | $500 |
| 30-Month Certificate | .35% | .35% | $500 |
| 36-Month Certificate | .40% | .40% | $500 |
| 48-Month Certificate | .40% | .40% | $500 |
| 6-Month Negotiated Certificate | .20% | .20% | $100,000 |
| 12-Month Negotiated Certificate | .30% | .30% | $100,000 |
Individual Retirement Accounts (IRAs)
| ACCOUNT TYPE | APY* | INTEREST RATE | MINIMUM OPENING BALANCE |
| 6-Month Fixed-Rate | .20% | .20% | $100 |
| 12-Month Fixed-Rate | .30% | .30% | $100 |
| 18-Month Fixed-Rate | .35% | .35% | $100 |
| 30-Month Fixed-Rate | .40% | .40% | $100 |
| 48-Month Fixed-Rate | .45% | .45% | $100 |
| 48-Month Negotiated Certificate | .50% | .50% | $100,000 |
An interest penalty will be imposed for early withdrawal from all certificate accounts.
FDIC deposit insurance is now $250,000 per depositor.
The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
* Annual Percentage Yield
