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IRA Certificates

Effective Date 2/1/2021

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
12 Month
  Dividend Rate 0.50% 0.55% 0.60% 0.65% 0.70%
  Annual Percentage Yield 0.50% 0.55% 0.60% 0.65% 0.70%
24 Month
  Dividend Rate 0.65% 0.70% 0.75% 0.80% 0.85%
  Annual Percentage Yield 0.65% 0.70% 0.75% 0.80% 0.85%
36 Month
  Dividend Rate 0.75% 0.80% 0.85% 0.90% 0.95%
  Annual Percentage Yield 0.75% 0.80% 0.85% 0.90% 0.95%
48 Month
  Dividend Rate 0.85% 0.90% 0.95% 1.00% 1.045%
  Annual Percentage Yield 0.85% 0.90% 0.95% 1.00% 1.05%
60 Month
  Dividend Rate 0.95% 1.00% 1.045% 1.094% 1.143%
  Annual Percentage Yield 0.95% 1.00% 1.05% 1.10% 1.15%
Rates are subject to change without notice. Dividends compound monthly.
Penalty for early withdrawal: Terms of 12 months but less than 24 months = 180 Days' Dividends; Terms of 24 months or greater = 365 Days' Dividends.
For IRA Certificate accounts, the minimum opening deposit must be at least $500.00 per certificate.
 

IRA Savings Rates

Effective Date 2/1/2021

 
Type Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Stated APY
IRA Savings 0.10% 0.10% $25.00 $0 - $2,499
  0.10% 0.10%   $2,500 - $9,999
  0.15% 0.15%   $10,000 - $24,999
  0.20% 0.20%   $25,000 - $49,999
  0.30% 0.30%   $50,000 - $99,999
  0.35% 0.35%   $100,000-$149,999
  0.40% 0.40%   $150,000+
 
Rates are subject to change without notice. Dividends compound monthly.  Fees could reduce earnings.
 
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