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Certificates and IRAs

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Which long-term savings option is right for you?

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Certificates

Check out our Certificates.

Traditional IRA Certificate

Check out our Traditional IRA Certificate.

Roth IRA Certificate

Check out our Roth IRA Certificate.

Interest Checking Account

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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 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  • A penalty will incur if any principal is withdrawn before the maturity date

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  • Save for retirement while your earnings grow tax-deferred until withdrawn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

Visit a branch 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  • A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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  • A penalty will incur if any principal is withdrawn before the maturity date
  • Contributions may be tax deductible. Consult a tax advisor.

Visit a branch 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

Visit a branch 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  • A penalty will incur if any principal is withdrawn before the maturity date
  • Regular contributions can be withdrawn tax-free at any time.

Visit a branch to open an account

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.

Visit a branch to open an account

Certificate Rates
Effective Date: Thursday, November 14th, 2024
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 1.50% | 1.49% 1.25% | 1.24% $500
12-Month Certificate 4.25% | 4.17% 4.00% | 3.93% $500
18-Month Certificate 3.50% | 3.44% 3.25% | 3.20% $500
24-Month Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month Certificate 3.25% | 3.20% 3.00% | 2.96% $500
36-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500

Traditional, Roth & Coverdell Certificates
Effective Date: Thursday, November 14th, 2024
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/ESA Certificate 4.50% | 4.41% 4.25% | 4.17% $500
18-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20% $500
24-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month IRA/ESA Certificate 3.25% | 3.20% 3.00% | 3.20% $500
36-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500

IRA Share
Effective Date: Thursday, November 14th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Coverdell ESA 0.50% 0.50% $1
Traditional 0.50% 0.50% $1
Roth 0.50% 0.50% $1
*$5 minimum opening deposit required