Which long-term savings option is right for you?
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Are you looking to save for retirement?
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Yes
Are you wanting your earnings to be tax deferred?
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Property
Property Insurance
Life
Life Insurance
Personal
Personal Insurance
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- A penalty will incur if any principle is withdrawn before the maturity date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.
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- Save for retirement while your earnings grow tax-deferred until withdrawn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.
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- A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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- A penalty will incur if any principle is withdrawn before the maturity date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.
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
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.
*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: Monday, June 5th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual 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: Monday, June 5th, 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: Monday, June 5th, 2023
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum 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 | |||