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CDs & IRAs

Certificate of Deposit

Pick your term and get the peace of mind that comes with guaranteed returns. CDs give you the security of FDIC-insured savings over time. Let’s make your hard-earned cash work harder.

  • Competitive yields
  • Flexible terms from six months to five years
  • Interest rates compounded continuously
  • FDIC insured

Effective Date: Tuesday, October 4, 2022

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.001.23%1.25%
9 Month CD and IRA$1,500.001.47%1.50%
12 Month CD and IRA$1,500.002.15%2.20%
18 Month CD$1,500.002.34%2.40%
18 Month Wild Card IRA$40.002.34%2.40%
24 Month CD and IRA$2,500.002.53%2.60%
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 Rates and special offers may be withdrawn at any time and are subject to change without notice.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 a branch or contact us.

Traditional IRA

Streamline your retirement savings with this tried-and-true way to make pre-tax contributions. In addition to an upfront tax break, IRAs can offer penalty-free distributions toward buying a home or paying for college.

  • Tax-deductible contributions*
  • Eligible individuals at least 50 years old can make "catch-up" contributions above the standard contribution maximums

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

Effective Date: Tuesday, October 4, 2022

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.001.23%1.25%
9 Month CD and IRA$1,500.001.47%1.50%
12 Month CD and IRA$1,500.002.15%2.20%
18 Month Wild Card IRA$40.002.34%2.40%
24 Month CD and IRA$2,500.002.53%2.60%
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 Rates and special offers may be withdrawn at any time and are subject to change without notice.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 a branch or contact us.

Roth IRA

Set it and forget it with this safe, reliable investment in your future. With a Roth IRA, your contributions and earnings grow tax-free until you’re eligible to make retirement 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 at least 50 years old can make "catch-up" contributions above the standard contribution maximums

*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.

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.

Effective Date: Tuesday, October 4, 2022

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.001.23%1.25%
9 Month CD and IRA$1,500.001.47%1.50%
12 Month CD and IRA$1,500.002.15%2.20%
18 Month Wild Card IRA$40.002.34%2.40%
24 Month CD and IRA$2,500.002.53%2.60%
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 a branch or contact us.

Coverdell Education Savings Account

Put away money for future college costs with this federally sponsored, tax-free IRA. And because it’s a CD, you get the added security of FDIC-insured savings over time.

  • Competitive yields
  • Flexible terms from six months to five years
  • Interest rates compounded continuously, except for the 6-month CD which earns simple interest
  • FDIC insured

Effective Date: Tuesday, October 4, 2022

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
6 Month CD and IRA$1,500.001.23%1.25%
9 Month CD and IRA$1,500.001.47%1.50%
12 Month CD and IRA$1,500.002.15%2.20%
18 Month CD$1,500.002.34%2.40%
18 Month Wild Card IRA$40.002.34%2.40%
24 Month CD and IRA$2,500.002.53%2.60%
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 a branch or contact us.

Wild Card IRA CD

Tuck away money at your discretion. A Wild Card IRA CD works like a CD while offering an IRA’s potential for higher rates of return.

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

Effective Date: Tuesday, October 4, 2022

CDs & IRAs

TypeMinimum BalanceInterest RateAPY (Annual Percentage Yield)
18 Month Wild Card IRA$40.002.34%2.40%

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 a branch or contact us.

Important Disclosures

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 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.