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CDs & IRAs

Certificate of Deposit

Pick your term and plan your return. CDs are a reliable way to save for a set period of time. And, because they are FDIC insured, you can have peace of mind that your deposits are growing in a secure place.

  • Competitive yields
  • Flexible terms ranging from six months to five years
  • Interest rates are compounded continuously, with the exception of the 6 month CD for which simple interest is calculated
  • FDIC insured

Effective Date: Monday, December 10, 2018

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.000.49%0.50%
9 Month CD and IRA$1,500.000.54%0.55%
12 Month CD and IRA$1,500.002.34%2.40%
18 Month CD$1,500.002.53%2.60%
18 Month Wild Card IRA$40.002.53%2.60%
24 Month CD and IRA$2,500.002.63%2.70%
36 Month CD and IRA$2,500.002.72%2.80%
60 Month CD and IRA$2,500.002.92%3.00%

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Opening an account with us is easy! Just stop by any of our branches or contact us.

Traditional IRA

Streamline retirement savings by contributing pre-tax dollars that may be tax-deductible*. In addition to facilitating long-term financial stability, you may even be able to take advantage of penalty-free distributions to buy your first home or cover a child's qualified higher education costs.

  • Tax-deductible contributions*
  • Eligible individuals 50 years of age or older are permitted to make "catch-up" contributions that exceed standard contribution maximums

Effective Date: Monday, December 10, 2018

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.000.49%0.50%
9 Month CD and IRA$1,500.000.54%0.55%
12 Month CD and IRA$1,500.002.34%2.40%
18 Month Wild Card IRA$40.002.53%2.60%
24 Month CD and IRA$2,500.002.63%2.70%
36 Month CD and IRA$2,500.002.72%2.80%
60 Month CD and IRA$2,500.002.92%3.00%

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Opening an account with us is easy! Just stop by any of our branches or contact us.

*Consult a tax advisor.

If you’re under age 70 ½ for the entire tax year and you or your spouse have earned income, you are eligible to open this account.

Roth IRA

After-tax deposits to this account option will grow over time until you are ready to make tax-free withdrawals*.

  • Pay no taxes on any of the interest earned*
  • Tax-free withdrawals for certain distributions after a five-year holding period
  • Not subject to the age 70 ½ minimum distribution requirements
  • Eligible individuals 50 years of age or older are permitted to make "catch-up" contributions that exceed standard contribution maximums

Effective Date: Monday, December 10, 2018

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.000.49%0.50%
9 Month CD and IRA$1,500.000.54%0.55%
12 Month CD and IRA$1,500.002.34%2.40%
18 Month Wild Card IRA$40.002.53%2.60%
24 Month CD and IRA$2,500.002.63%2.70%
36 Month CD and IRA$2,500.002.72%2.80%
60 Month CD and IRA$2,500.002.92%3.00%

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Opening an account with us is easy! Just stop by any of our branches or contact us.

*Consult a tax advisor.

There are two requirements to be eligible to contribute to a Roth IRA: (1) You or your spouse must have earned income and (2) Your modified adjusted gross income cannot exceed certain limits.

Coverdell Education Savings Account

Pick your term and plan your return. CDs are a reliable way to save for a set period of time. And, because they are FDIC insured, you can have peace of mind that your deposits are growing in a secure place.

  • Competitive yields
  • Flexible terms ranging from six months to five years
  • Interest rates are compounded continuously, with the exception of the 6 month CD for which simple interest is calculated
  • FDIC insured

Effective Date: Monday, December 10, 2018

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.000.49%0.50%
9 Month CD and IRA$1,500.000.54%0.55%
12 Month CD and IRA$1,500.002.34%2.40%
18 Month CD$1,500.002.53%2.60%
18 Month Wild Card IRA$40.002.53%2.60%
24 Month CD and IRA$2,500.002.63%2.70%
36 Month CD and IRA$2,500.002.72%2.80%
60 Month CD and IRA$2,500.002.92%3.00%

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Opening an account with us is easy! Just stop by any of our branches or contact us.

Wild Card IRA CD

Our Wild Card IRA offers a high level of financial flexibility to accommodate your savings goals.

  • 18 month term
  • $40.00 minimum to open
  • Make multiple deposits throughout the year

Effective Date: Monday, December 10, 2018

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
18 Month Wild Card IRA$40.002.53%2.60%

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

Opening an account with us is easy! Just stop by any of our branches or contact us.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.