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
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 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- A penalty will incur if any principal is withdrawn before the maturity date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- Save for retirement while your earnings grow tax-deferred until withdrawn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- A long-term retirement saving option where your earnings grow tax deferred until they are withdrawn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- A penalty will incur if any principal is withdrawn before the maturity date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- A penalty will incur if any principal is withdrawn before the maturity date
- Regular contributions can be withdrawn tax-free at any time.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: Saturday, July 5th, 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 Premier & Access Premier Relationship Levels Student, Basic, Access & Classic Relationship Levels | ||
| 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: Saturday, July 5th, 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 Premier & Access Premier Relationship Levels Student, Basic, Access & Classic Relationship Levels | ||
| 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: Saturday, July 5th, 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 | ||
