CDs

Looking to earn more on your money? Choose a CD that’s right for you financial goals. From 91 days to 6 years there is something for everyone.

 TermCompounding Frequency Rate/APY***

91 Day CD**

At Maturity 

0.03 / 0.03% APY 

182 Day CD**

At Maturity 

0.04 / 0.04% APY

12 Month CD*

Semi-Annually 

0.10 / 0.10% APY

18 Month CD*

Semi-Annually

0.15 / 0.15% APY 

24 Month CD*

Semi-Annually

0.20 / 0.20% APY 

30 Month CD*

Semi-Annually

0.25 / 0.25% APY 

36 Month CD*

Semi-Annually

0.30 / 0.30% APY

48 Month CD*

Semi-Annually

0.35/ 0.35% APY 

60 Month CD*

Semi-Annually

0.40 / 0.40% APY 

72 Month CD*

Semi-Annually

0.50 / 0.50% APY

Annual Percentage Yield (APY) accurate as of 3/24/2021

***  Annual Percentage Yield (fees could reduce yield)

** We may impose a penalty if you withdraw any of the principal before the maturity date. The penalty imposed will equal one-month’s interest. The early withdrawal penalty may invade principal. Interest is not compounded during the term. Interest will be credited at maturity. You may not make a withdrawal of principal or interest from this account until the maturity date. Interest may be withdrawn at maturity. This certificate will automatically renew for the same term, and will earn interest after the maturity date at the bank’s new interest rate unless prior approval is given.

* We may impose a penalty if you withdraw any of the principal before the maturity date. The penalty imposed will equal three-month’s interest. The early withdrawal penalty may invade principal. Interest will be compounded semi-annually and will be credited to your account semi-annually. You may not make a withdrawal of principal or interest from this account until the maturity date. Interest may be withdrawn at maturity. This certificate will automatically renew for the same term, and will earn interest after the maturity date at the bank’s new interest rate unless prior approval is given.

 

Individual Retirement Accounts

Traditional IRA

A Traditional IRA is a personal savings account that allows for tax-deductible contributions for most people.  In addition, earnings are not taxed until you begin to withdraw from your IRA.  Contributions are limited to a specific dollar amount each tax year, depending on your age.

Roth IRA

Roth IRA contributions are made with post-tax dollars, meaning you’re not able to deduct them from your taxable income. The benefit of contributing to a Roth IRA is in retirement, your withdrawals are not taxed at all.

View Electronic Funds Transfer Disclosure View Funds Availability

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