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CERTIFICATES AND IRAS
Effective Date: April 16, 2025
| Certificates** | Minimum Balance | Rate | APY* | How to Apply |
|---|---|---|---|---|
| 3 Month | Rate$1,000.00 | APR*3.20% | Payment/ $10003.25% | Open |
| 6 Month | Rate$1,000.00 | APR*3.92% | Payment/ $10004.00% | Open |
| 9 Month | Rate$1,000.00 | APR*3.68% | Payment/ $10003.75% | Open |
| 12 Month | Rate$1,000.00 | APR*3.68% | Payment/ $10003.75% | Open |
| 13 Month | Rate$1,000.00 | APR*3.44% | Payment/ $10003.50% | Open |
| 15 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 16 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 18 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 22 Month | Rate$1,000.00 | APR*3.44% | Payment/ $10003.50% | Open |
| 24 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 30 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 36 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 48 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| 60 Month | Rate$1,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| Jumbo Certificates** | Minimum Balance | Rate | APY* | How to Apply |
|---|---|---|---|---|
| 1 Month | Rate$100,000.00 | APR*2.47% | Payment/ $10002.50% | Open |
| 2 Month | Rate$100,000.00 | APR*2.47% | Payment/ $10002.50% | Open |
| 3 Month | Rate$100,000.00 | APR*3.20% | Payment/ $10003.25% | Open |
| 6 Month | Rate$100,000.00 | APR*3.92% | Payment/ $10004.00% | Open |
| 8 Month | Rate$100,000.00 | APR*3.68% | Payment/ $10003.75% | Open |
| 12 Month | Rate$100,000.00 | APR*3.68% | Payment/ $10003.75% | Open |
| 16 Month | Rate$100,000.00 | APR*2.96% | Payment/ $10003.00% | Open |
| Traditional & Roth Individual Retirement Accounts (IRA)** | Minimum Balance | Rate | APY* | How to Apply |
|---|---|---|---|---|
| 3 Month | Rate$1,000.00 | APR*1.00% | Payment/ $10001.00% | |
| 6 Month | Rate$1,000.00 | APR*3.92% | Payment/ $10004.00% | |
| 9 Month | Rate$1,000.00 | APR*1.24% | Payment/ $10001.25% | |
| 12 Month | Rate$1,000.00 | APR*3.68% | Payment/ $10003.75% | |
| 15 Month | Rate$1,000.00 | APR*2.08% | Payment/ $10002.10% | |
| 18 Month | Rate$1,000.00 | APR*2.62% | Payment/ $10002.65% | |
| 22 Month | Rate$1,000.00 | APR*1.64% | Payment/ $10001.65% | |
| 24 Month | Rate$1,000.00 | APR*2.62% | Payment/ $10002.65% | |
| 30 Month | Rate$1,000.00 | APR*2.62% | Payment/ $10002.65% | |
| 36 Month | Rate$1,000.00 | APR*2.72% | Payment/ $10002.75% | |
| 48 Month | Rate$1,000.00 | APR*2.77% | Payment/ $10002.80% | |
| 60 Month | Rate$1,000.00 | APR*2.86% | Payment/ $10002.90% |
| Coverdell Education Savings Accounts** | Minimum Balance | Rate | APY* | How to Apply |
|---|---|---|---|---|
| 3 Month | Rate$500.00 | APR*1.00% | Payment/ $10001.00% | |
| 6 Month | Rate$500.00 | APR*1.19% | Payment/ $10001.20% | |
| 9 Month | Rate$500.00 | APR*1.24% | Payment/ $10001.25% | |
| 12 Month | Rate$500.00 | APR*2.08% | Payment/ $10002.10% | |
| 15 Month | Rate$500.00 | APR*2.08% | Payment/ $10002.10% | |
| 18 Month | Rate$500.00 | APR*2.62% | Payment/ $10002.65% | |
| 24 Month | Rate$500.00 | APR*2.62% | Payment/ $10002.65% | |
| 30 Month | Rate$500.00 | APR*2.62% | Payment/ $10002.65% | |
| 36 Month | Rate$500.00 | APR*2.72% | Payment/ $10002.75% | |
| 48 Month | Rate$500.00 | APR*2.77% | Payment/ $10002.80% | |
| 60 Month | Rate$500.00 | APR*2.86% | Payment/ $10002.90% |