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CDs and IRAs

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Which long-term savings option is right for you?

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Certificates of Deposit

Check out our Certificates of Deposit.

Traditional IRA Certificate

Check out our Traditional IRA Certificate.

Roth IRA Certificate

Check out our Roth IRA Certificate.

Interest Checking Account

Check out our Interest Checking Account

Access Checking Account

Check out our Access Checking Account

Standard Checking Account

Check out our Standard Checking Account

You can choose from a variety of Certificate of Deposit (CD) and Individual Retirement Account (IRA) options to find the one that best supports your long-term savings plans.

Certificates of Deposit

  • Save money for a set period of time while earning a set rate of return
  • $500 minimum opening balance
  • 3- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principle is withdrawn before the maturity date
  • Limited time special: Earn up to 4.00% APY* on a 9-month CD! Contact us for more details.
  • Limited time special: Earn up to 4.25% APY** when you open an 18, 24 or 30-month CD! Contact us for more details.

Contact us to open an account

Traditional IRA Share Accounts

  • Save for retirement while your earnings grow tax-deferred until withdrawn
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time
  • Contributions may be tax deductible. Consult a tax advisor.

Contact us to open an account

Traditional IRA Certificates

  • A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principle is withdrawn before the maturity date
  • Contributions may be tax deductible. Consult a tax advisor.
  • Limited time special: Earn up to 4.25% APY** when you open an 18, 24 or 30-month IRA CD. Contact us for more details.

Contact us to open an account

Roth IRA Share Accounts

  • A retirement savings options where contributions are not tax deductible
  • $1 minimum opening balance
  • Deposits are accepted at any time
  • Withdrawals can be made at any time

Contact us to open an account

Roth IRA Certificates

  • A long-term retirement savings option where contributions are not tax deductible
  • $500 minimum opening balance
  • 12- to 60-month terms available
  • No additional deposits are permitted except at maturity
  • A penalty will incur if any principle is withdrawn before the maturity date
  • Regular contributions can be withdrawn tax-free at any time.
  • Limited time special: Earn up to 4.25% APY** on a 18, 24 or 30-month IRA CD Contact us for more details.

Contact us to open an account

*4.00% APY is with 0.25% Premier and Access Premier relationship bonus. All other relationship levels earn 3.75% APY.

**4.25% APY is with 0.25% Premier and Access Premier relationship bonus. All other relationship levels earn 4.00% APY.

Certificate of Deposit Rates
Effective Date: Saturday, May 27th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
3 Month Certificate 0.80% | 0.80% 0.55% | 0.55% $500
6 Month Certificate 0.85% | 0.85% 0.60% | 0.60% $500
9 Month Certificate 4.00% | 3.92% 3.75% | 3.68% $500
12 Month Certificate 0.95% | 0.95% 0.70% | 0.70% $500
18 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
24 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
30 Month Certificate 4.25% | 4.16% 4.00% | 3.92% $500
36 Month Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500

Traditional, Roth & Coverdell Certificates
Effective Date: Saturday, May 27th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
Traditional, Roth &
Coverdell Certificates
Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
12 Month IRA Certificate 0.95% | 0.95% 0.70% | 0.70% $500
18 Month IRA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
24 Month IRA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
30 Month IRA Certificate 4.25% | 4.16% 4.00% | 3.92% $500
36 Month IRA Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month IRA Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month IRA Certificate 1.50% | 1.49% 1.25% | 1.24% $500

IRA Share
Effective Date: Saturday, May 27th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Coverdell ESA 0.50% 0.50% $1
Traditional 0.50% 0.50% $1
Roth 0.50% 0.50% $1
*$5 minimum opening deposit required