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CDs and IRAs


Many Happy Returns.

Think long-term without overthinking it. Whether you're planning for retirement or just want a guaranteed return, lock in a great rate and watch your savings grow with confidence.


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Certificates of Deposit (CDs)

CDs are a safe, reliable way to build a stronger financial future. Invest a fixed amount of money for a specific amount of time and receive a fixed amount of interest in return.

  • Competitive interest rates compounded monthly
  • Terms from 3 months to 5 years
  • Investments are fully secured by FDIC and DIF Protection
Effective March 1, 2025
Term Interest Rate APY1 Minimum to Open
7-month certificate 3.682% 3.75% $1,000
9-month certificate 3.585% 3.65% $1,000
15-month certificate 3.440% 3.50% $1,000
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Individual Retirement Accounts (IRAs)

Keep building your nest egg at a return you can rely on.

  • Available terms: 3 months to 5 years
  • At maturity, funds can be added, terms can be changed, and partial withdrawals are permitted
  • Interest earned may be withdrawn at any time without penalty
  • Investments are fully secured by FDIC and DIF Protection
  • No monthly or annual fees
Effective March 1, 2025
TERM INTEREST RATE APY2
3-month 0.499% 0.50%
6-month 0.747% 0.75%
12-month 0.955% 1.00%
18-month 1.490% 1.50%
24-month 1.982% 2.00%
36-month 2.472% 2.50%
48-month 2.716% 2.75%
60-month 2.960% 3.00%
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IRA Savings Account

For conservative savers looking for stability.

Effective March 1, 2025
TERM APY3 MINIMUM TO OPEN
2.959% 3.00% $10.00

Anytime, anywhere!

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Your money is 100% safe
and insured with us!

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