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 | .40% | .40% | $500 |
| 6-Month Certificate | .75% | .75% | $500 |
| 9-Month Certificate | 2.00% | 1.98% | $500 |
| 12-Month Certificate | 1.35% | 1.34% | $500 |
| 15-Month Certificate | 1.35% | 1.34% | $500 |
| 18-Month Certificate | 1.50% | 1.49% | $500 |
| 24-Month Certificate | 1.60% | 1.59% | $500 |
| 30-Month Certificate | 1.60% | 1.59% | $500 |
| 36-Month Certificate | 1.75% | 1.73% | $500 |
| 48-Month Certificate | 1.80% | 1.78% | $500 |
| 1‑Year/3‑Year Certificate | 1.35% | 1.34% | $50,000 |
| 6-Month Negotiated Certificate | .85% | .85% | $100,000 |
| 12-Month Negotiated Certificate | 1.40% | 1.39% | $100,000 |
Individual Retirement Accounts (IRAs)
| ACCOUNT TYPE | APY* | INTEREST RATE | MINIMUM OPENING BALANCE |
| 6-Month Fixed-Rate | .80% | .80% | $100 |
| 12-Month Fixed-Rate | 1.40% | 1.39% | $100 |
| 18-Month Fixed-Rate | 1.60% | 1.59% | $100 |
| 18-Month Variable-Rate | 1.88% | 1.86% | $100 |
| 30-Month Fixed-Rate | 1.65 | 1.64% | $100 |
| 48-Month Fixed-Rate | 1.90% | 1.88% | $100 |
| 48-Month Negotiated Certificate | 2.00% | 1.98% | $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
