Printable IRA and CD Rates

Table data for Certificate Rates
Rates Effective 7/18/2025
Certificates / CD / IRA Certificates	Minimum Balance	Rate	APY	Early Withdrawal Penalty
6 Months	$1,000	3.392%	3.45%	90 Days Dividends

	$100,000	3.499%	3.56%	90 Days Dividends

	$250,000	3.499%	3.56%	90 Days Dividends

12 Months	$1,000	3.198%	3.25%	90 Days Dividends

	$100,000	3.305%	3.36%	90 Days Dividends

	$250,000	3.305%	3.36%	90 Days Dividends

18 Months	$1,000	3.052%	3.10%	180 Days Dividends

	$100,000	3.159%	3.21%	180 Days Dividends

	$250,000	3.159%	3.21%	180 Days Dividends

24 Months	$1,000	3.004%	3.05%	180 Days Dividends

	$100,000	3.111%	3.16%	180 Days Dividends

	$250,000	3.111%	3.16%	180 Days Dividends

36 Months	$1,000	3.004%	3.05%	270 Days Dividends

	$100,000	3.111%	3.16%	270 Days Dividends

	$250,000	3.111%	3.16%	270 Days Dividends

48 Months	$1,000	3.052%	3.10%	360 Days Dividends

	$100,000	3.159%	3.21%	360 Days Dividends

	$250,000	3.159%	3.21%	360 Days Dividends

60 Months	$1,000	3.150%	3.20%	450 Days Dividends

	$100,000	3.256%	3.31%	450 Days Dividends

	$250,000	3.256%	3.31%	450 Days Dividends

	$100,000	3.111%	3.16%	270 Days Dividends

33 Month Bump Rate Certificate¹	$1,000	3.004%	3.05%	270 Days Dividends

55 Month Bump Rate Certificate¹	$1,000	3.150%	3.20%	450 Days Dividends

	$250,000	3.111%	3.16%	270 Days Dividends

	$100,000	3.257%	3.31%	450 Days Dividends

	$250,000	3.257%	3.31%	450 Days Dividends

APY refers to Annual Percentage Yield. Rates and APY are subject to change without notice.
¹IRAs are not eligible for Bump Rate Certificates. Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.↵