Rates & Calculators

CD and IRA Rates

Build your savings with guaranteed rates and fixed terms. 

Certificates of Deposit (CDs)

TERM

APY*

91 Days

0.25%

6 Months 

0.50%

1 Year

0.65%

1 1/2 Years

0.75%

2 Years

0.80%

2 1/2 Years

0.85%

3 Years

1.00%

4 Years

1.10%

5 Years

1.50%

*Annual Percentage Yield (APY) is accurate as of January 13, 2023 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.

Bump-Up CDs

TERM

APY*

18 months

0.70%

42 months

0.90%

*Annual Percentage Yield (APY) is accurate as of January 13, 2023 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder’s request, the interest rate and APY may be increased one time during the 18-month term or two times during the 42-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.

IRA CD Special for Contributions Only

TERM

APY*

1 Year

2.50%

2 Years

3.00%

*Annual Percentage Yield (APY) accurate as of January 13, 2023 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. IRAs are considered individual retirement accounts and are subject to IRS rules and regulations. Available for previous year and current year IRA contributions only of up to $7,500. IRS maximum contributions for 2022 IRAs: $6,000; $7,000 for persons age 50 or older. IRS maximum contributions for 2023 IRAs: $6,500; $7,500 for persons age 50 or older. Please consult your tax advisor regarding the potential tax implications of an IRA.

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