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Certificates

Regular Certificate of Deposit Rates

Term
Dividend Rate
APY**
6 months
3.50%
3.55%
12 months
2.96%
3.00%
18 months
3.44%
3.50%
24 months
3.44%
3.50%
36 months
3.05%
3.10%
48 months
2.86%
2.90%
60 months
3.30%
3.35%

*$1,000 minimum balance
**APY is Annual Percentage Yield. APY is effective as of 01/21/2026.
Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.

Jumbo Certificate of Deposit Rates

Term
Dividend Rate
APY**
6 months
3.60%
3.65%
12 months
3.06%
3.10%
18 months
3.54%
3.60%
24 months
3.54%
3.60%
36 months
3.15%
3.20%
48 months
2.96%
3.00%
60 months
3.30%
3.35%

*$100,000 minimum balance
**APY is Annual Percentage Yield. APY is effective as of 01/21/2026.
Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.