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Certificate of Deposit Rates

Effective Date: 12/19/2024

Certificate of Deposit Rates

Term Interest Rate APY
3 Months to less than 6 Months 0.10% 0.10%
6 Months to less than 1 Year 3.25% 3.30%
1 Year to less than 18 Months 3.20% 3.25%
18 Months to less than 2 Years 0.20% 0.20%
2 Years to less than 3 Years 0.25% 0.25%
3 Years to less than 4 Years 0.40% 0.40%
4 Years to less than 5 Years 0.50% 0.50%
5 Years or more 0.50% 0.50%
13 Month Relationship CD* 0.15% 0.15%
13 Month Relationship Plus CD** 0.20% 0.20%
18 Month Relationship CD* 0.15% 0.15%
18 Month Relationship Plus CD** 0.20% 0.20%
30 Month Relationship CD* 0.35% 0.35%
30 Month Relationship Plus CD** 0.40% 0.40%
47 Month Relationship CD* 0.60% 0.60%
47 Month Relationship Plus CD** 0.65% 0.65%

Individual Retirement Accounts

Money Market IRA+ Minimum to Open Mimimum to Obtain APY Interest Rate APY
Tier 1 $25 $0.00 - $24,999.99 0.10% 0.10%
Tier 2 $25,000 - $49,999.99 0.10% 0.10%
Tier 3 $50,000 + 0.10% 0.10%

Individual Retirement Accounts

IRAs Minimum to Open Mimimum to Obtain APY Interest Rate APY
IRA Certificate 6 Months $1,000 $1,000 3.25% 3.30%
IRA Certificate 12 Months $1,000 $1,000 3.20% 3.25%
IRA Certificate 24 Months $1,000 $1,000 0.20% 0.20%
IRA Certificate 36 Months $1,000 $1,000 0.40% 0.40%
IRA Certificate 48 Months $1,000 $1,000 0.50% 0.50%
IRA Certificate 60 Months $1,000 $1,000 0.50% 0.50%
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