IRA Certificate
Terms
Dividend Rate
APY**
12 Month Traditional IRA
2.96%
3.00%
18 Month Traditional IRA
3.44%
3.50%
24 Month Traditional IRA
3.44%
3.50%
36 Month Traditional IRA
3.05%
3.10%
48 Month Traditional IRA
2.86%
2.90%
60 Month Traditional IRA
3.30%
3.35%
*$250.00 minimum balance for IRA certificate accounts required.
**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. 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.
12 to 60-month SEP IRAs and Educational IRAs (Coverdell ESAs) are offered at the same above named rate schedule.