IRA Certificates

Effective Date: 12/1/2025

Term
Dividend Rate / APY*
$1,000 to $9,999
Dividend Rate / APY*
$10,000 to $49,999
Dividend Rate / APY*
$50,000 to $98,999
Dividend Rate / APY*
Balance of $99,000 and over
3 months
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.05%
6 months
3.11% / 3.15%
3.11% / 3.05%
3.11% / 3.05%
3.11% / 3.15%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%

* APY = Annual Percentage Yield. Subject to early withdrawal penalties. Fees incurred could reduce earnings. 

Tiered Rate Savings Certificates

Effective Date: 12/1/2025

Term
Dividend Rate / APY*
$1,000 to $9,999.99
Dividend Rate / APY*
$10,000 to $49,999.99
Dividend Rate / APY*
$50,000 to $98,999.99
Dividend Rate / APY*
Balance $99,000 and over
3 months
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.15%
6 months
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.15%
3.11% / 3.15%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%

* APY = Annual Percentage Yield. Subject to early withdrawal penalties. Fees incurred could reduce earnings. 

Flexible Savings Certificate*

Effective Date: 12/1/2025

Term
Dividend Rate
Annual Percentage Yield*
Minimum Balance
Regular 6-months Flex
3.11%
3.15%
$5,000

*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

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