Which long-term savings option is right for you?
You can choose from a variety of terms on our certificates and Individual Retirement Account (IRA) options to find the one that best supports your long-term savings plans.
Certificates
- 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- A penalty will incur if any principal is withdrawn before the maturity date
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- Save for retirement while your earnings grow tax-deferred until withdrawn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- A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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- A penalty will incur if any principal is withdrawn before the maturity date
- Contributions may be tax deductible. Consult a tax advisor.
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- A penalty will incur if any principal is withdrawn before the maturity date
- Regular contributions can be withdrawn tax-free at any time.
Coverdell ESA Certificates
- Specifically designed for long-term savings for education purposes
- Contributions are not tax deductible
- $500 minimum opening balance
- 12- to 60-month terms available
- No additional deposits are permitted except at maturity
- Distributions are tax-free as long as they are used for qualified education expenses before the owner reaches the age of 30. See current IRS guidelines for penalties.
Savings Calculators
- Savings Calculator - Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
- Savings Goals - What will it take to reach your savings goal? This financial calculator helps you find out.
Retirement Savings and Planning
- Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Certificate Rates
Effective Date: Tuesday, November 4th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Certificates Terms | APY | Dividend Rate | APY | Dividend Rate |
|---|---|---|
| Minimum balance to open a certificate is $500 | ||
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| 90-Day Certificate | 0.80% | 0.80% | 0.55% | 0.55% |
| 6-Month Certificate | 0.85% | 0.85% | 0.60% | 0.60% |
| 9-Month Certificate | 1.50% | 1.49% | 1.25% | 1.24% |
| 12-Month Certificate | 4.25% | 4.17% | 4.00% | 3.93% |
| 18-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 24-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 30-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% |
| 36-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
Traditional, Roth & Coverdell Certificates Rates
Effective Date: Tuesday, November 4th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Traditional, Roth & Coverdell Certificate Term | APY | Dividend Rate | APY | Dividend Rate |
|---|---|---|
| Minimum balance to open an IRA certificate is $500 | ||
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| 12-Month IRA/ESA Certificate | 4.50% | 4.41% | 4.25% | 4.17% |
| 18-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 24-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 30-Month IRA/ESA Certificate | 3.25% | 3.20% | 3.00% | 3.20% |
| 36-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
IRA Share Rates
Effective Date: Tuesday, November 4th, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Coverdell ESA | 0.50% | 0.50% |
| Traditional | 0.50% | 0.50% |
| Roth | 0.50% | 0.50% |
| *$1 minimum opening deposit required | ||
| Minimum to earn dividends is $1 | ||
