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Individual Retirement Accounts (IRA)

Invest your hard-earned money and earn higher dividends while having peace of mind knowing your money is safe and secure. Choose from various terms and tiered rates and meet your retirement goals.

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Rates

IRA Savings:

  • Traditional IRA & Roth IRA*
  • Earnings may be tax-free if account requirements are met and withdrawals are used for appropriate account purpose
  • All IRA rules apply
  • Minimum deposit to open account is $25.00
  • Tiered Account to earn interest - Check rates
  • Earns dividends (figured daily, compounded monthly)
  • No monthly or yearly service charge or fees

IRA Certificate:

  • Traditional IRA & Roth IRA*
  • Terms available include 12, 24, 36, 48, and 60 months
  • Five rate tiers for each term available - Check rates
  • Minimum deposit to open varies by rate tier
  • Certificates are automatically renewable - 10-day grace period at maturity
  • Early withdrawal fee is forgiven for a qualified distribution reason
  • Earns dividends (figured daily, compounded monthly)
  • No monthly or yearly service charge or fees

*Dividends are tax-deferred for Traditional IRA. Earnings on a ROTH are tax-free for account owners who meet a five-year holding period and withdraw the funds for a qualified reason.

Pick your IRA

What savings method is best for you?

Choose an IRA Savings account if...

  • You want to start planning for retirement but may need access to the funds
  • You prefer to contribute smaller amounts over a period of time instead of a large lump sum in the beginning
  • You've started saving but want to grow your retirement nest egg

Choose an IRA Certificate if...

  • You have a large lump sum of money to invest
  • You are comfortable with not having access to your funds for a period of time
  • You want to earn interest more quickly on your investment
ira-2

IRA Savings Rates

Effective Date: [[ today ]]

Balance Dividend Rate APY Min. Opening Deposit
$0 - $2,499 0.15% 0.15% $25
$2,500 - $9,999 0.15% 0.15% $25
$10,000 - $24,999 0.20% 0.20% $25
$25,000 - $49,999 0.25% 0.25% $25
$50,000 - $99,999 0.30% 0.30% $25
$100,000 - $149,999 0.35% 0.35% $25
$150,000+ 0.40% 0.40% $25
Balance $0 - $2,499 Dividend Rate 0.15% APY 0.15% Min. Opening Deposit $25
Balance $2,500 - $9,999 Dividend Rate 0.15% APY 0.15% Min. Opening Deposit $25
Balance $10,000 - $24,999 Dividend Rate 0.20% APY 0.20% Min. Opening Deposit $25
Balance $25,000 - $49,999 Dividend Rate 0.25% APY 0.25% Min. Opening Deposit $25
Balance $50,000 - $99,999 Dividend Rate 0.30% APY 0.30% Min. Opening Deposit $25
Balance $100,000 - $149,999 Dividend Rate 0.35% APY 0.35% Min. Opening Deposit $25
Balance $150,000+ Dividend Rate 0.40% APY 0.40% Min. Opening Deposit $25

APY = Annual Percentage Yield.

Rates are subject to change without notice. Dividends compound monthly. Fees could reduce earnings.

IRA Certificate Rates

Effective Date: [[ today ]]

Term $500 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $149,999 $150,000+
12 Month 3.80% APY
3.734% Rate 		3.80% APY
3.734% Rate 		3.85% APY
3.783% Rate 		3.90% APY
3.832% Rate 		3.90% APY
3.832% Rate
24 Month 3.40% APY
3.348% Rate 		3.45% APY
3.397% Rate 		3.50% APY
3.445% Rate 		3.55% APY
3.494% Rate 		3.65% APY
3.590% Rate
36 Month 3.25% APY
3.203% Rate 		3.30% APY
3.251% Rate 		3.35% APY
3.300% Rate 		3.40% APY
3.348% Rate 		3.50% APY
3.445% Rate
48 Month 3.00% APY
2.960% Rate 		3.05% APY
3.008% Rate 		3.10% APY
3.057% Rate 		3.15% APY
3.105% Rate 		3.25% APY
3.203% Rate
60 Month 3.10% APY
3.057% Rate 		3.15% APY
3.105% Rate 		3.20% APY
3.154% Rate 		3.25% APY
3.203% Rate 		3.35% APY
3.300% Rate
Term 12 Month $500 - $24,999 3.80% APY
3.734% Rate		 $25,000 - $49,999 3.80% APY
3.734% Rate		 $50,000 - $99,999 3.85% APY
3.783% Rate		 $100,000 - $149,999 3.90% APY
3.832% Rate		 $150,000+ 3.90% APY
3.832% Rate
Term 24 Month $500 - $24,999 3.40% APY
3.348% Rate		 $25,000 - $49,999 3.45% APY
3.397% Rate		 $50,000 - $99,999 3.50% APY
3.445% Rate		 $100,000 - $149,999 3.55% APY
3.494% Rate		 $150,000+ 3.65% APY
3.590% Rate
Term 36 Month $500 - $24,999 3.25% APY
3.203% Rate		 $25,000 - $49,999 3.30% APY
3.251% Rate		 $50,000 - $99,999 3.35% APY
3.300% Rate		 $100,000 - $149,999 3.40% APY
3.348% Rate		 $150,000+ 3.50% APY
3.445% Rate
Term 48 Month $500 - $24,999 3.00% APY
2.960% Rate		 $25,000 - $49,999 3.05% APY
3.008% Rate		 $50,000 - $99,999 3.10% APY
3.057% Rate		 $100,000 - $149,999 3.15% APY
3.105% Rate		 $150,000+ 3.25% APY
3.203% Rate
Term 60 Month $500 - $24,999 3.10% APY
3.057% Rate		 $25,000 - $49,999 3.15% APY
3.105% Rate		 $50,000 - $99,999 3.20% APY
3.154% Rate		 $100,000 - $149,999 3.25% APY
3.203% Rate		 $150,000+ 3.35% APY
3.300% Rate

APY = Annual Percentage Yield.

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.

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