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CDs and IRAs

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Which long-term savings option is right for you?

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Are you wanting your earnings to be tax deferred?
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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  • A penalty will incur if any principle is withdrawn before the maturity date
  • Current special: 18, 24 or 30-month CD with up to 3.30% APY!* Contact us for more details

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  • Save for retirement while your earnings grow tax-deferred until withdrawn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.

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  • A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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  • A penalty will incur if any principle is withdrawn before the maturity date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.

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

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.

Open an Account

*3.30% APY is with 0.25% Premier and Access Premier relationship bonus. All other relationship levels earn 3.05% APY.

Certificate of Deposit Rates
Effective Date: Friday, December 9th, 2022
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 0.85% | 0.85% 0.60% | 0.60% $500
12 Month Certificate 0.95% | 0.95% 0.70% | 0.70% $500
18 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $500
24 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $500
30 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $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

IRA Share
Effective Date: Friday, December 9th, 2022
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