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CDs & IRAs

The CD rates and IRAs to keep all your savings and retirement goals on track.

Certificate of Deposit

Pick your term and put your hard-earned cash to work. Federally insured. Locally serviced.

Features & Benefits

  • Competitive yields
  • Flexible terms from six months to five years
  • Interest rates compounded continuously
  • Expert guidance on interest rates
  • FDIC-insured

Effective Date: 12/21/2024

TermInterest RateAPY (Annual Percentage Yield)Minimum Balance
6 Month CD and IRA3.91%4.00%$1,500.00
9 Month CD and IRA2.92%3.00%$1,500.00
12 Month CD and IRA3.63%3.75%$1,500.00
18 Month CD and IRA3.25%3.35%$1,500.00
18 Month Wild Card IRA3.25%3.35%$40.00
24 Month CD and IRA3.30%3.40%$2,500.00
36 Month CD and IRA3.35%3.45%$2,500.00
60 Month CD and IRA3.39%3.50%$2,500.00
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Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Traditional IRA

Streamline your retirement savings with pre-tax contributions and penalty-free distributions.

Features & Benefits

  • Tax-deductible  annual contributions*
  • Make "catch-up" contributions above standard maximums (for eligible individuals at least 50 years old)
  • Make penalty-free withdrawals toward a home purchase or college tuition
  • Expert guidance on interest rates

Effective Date: 12/21/2024

Minimum BalanceInterest RateAnnual Percentage Yield (APY)
6 Month CD and IRA$1,500.003.91%4.00%
9 Month CD and IRA$1,500.002.92%3.00%
12 Month CD and IRA$1,500.003.63%3.75%
18 Month CD and IRA$1,500.003.25%3.35%
18 Month Wild Card IRA$40.003.25%3.35%
24 Month CD and IRA$2,500.003.30%3.40%
36 Month CD and IRA$2,500.003.35%3.45%
60 Month CD and IRA$2,500.003.39%3.50%
Contact UsHours & Locations

*Consult a tax advisor for details. If you’re under age 70 ½ for the entire tax year and you or your spouse have earned income, you’re eligible to open this account.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Roth IRA

Start early and earn a lifetime of compounded interest with this  tax-free investment in your retirement.

Features & Benefits

  • Pay no taxes on any interest earned*
  • Make tax-free withdrawals for certain distributions after a five-year holding period
  • Avoid the age 70 ½ minimum distribution requirements
  • Make additional contributions above the standard maximums (for eligible individuals at least 50 years old) 
  • Expert guidance on interest rates

Effective Date: 12/21/2024

Minimum BalanceInterest RateAnnual Percentage Yield (APY)
6 Month CD and IRA$1,500.003.91%4.00%
9 Month CD and IRA$1,500.002.92%3.00%
12 Month CD and IRA$1,500.003.63%3.75%
18 Month CD and IRA$1,500.003.25%3.35%
18 Month Wild Card IRA$40.003.25%3.35%
24 Month CD and IRA$2,500.003.30%3.40%
36 Month CD and IRA$2,500.003.35%3.45%
60 Month CD and IRA$2,500.003.39%3.50%
Contact UsHours & Locations

*Consult a tax advisor. If you’re under age 70 ½ for the entire tax year and you or your spouse have earned income, you're eligible to open this account.

Eligibility for Roth IRA contributions comes with two requirements: (1) You or your spouse must have earned income and (2) Your modified adjusted gross income cannot exceed certain limits.

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Coverdell Education Savings Account

Save for future college costs with a CESA, a federally sponsored, tax-free IRA CD.

Features & Benefits

  • Competitive yields
  • Flexible terms from six months to five years
  • Interest rates compounded continuously on all but the 6-month CD, which earns simple interest
  • Expert guidance on interest rates
  • FDIC-insured

Effective Date: 12/21/2024

Minimum BalanceInterest RateAnnual Percentage Yield (APY)
6 Month CD and IRA$1,500.004.05%4.15%
9 Month CD$1,500.002.92%3.00%
12 Month CD and IRA$1,500.003.77%3.90%
18 Month CD and IRA$1,500.003.25%3.35%
18 Month Wild Card IRA$40.003.253.35%
24 Month CD and IRA$2,500.003.30%3.40%
36 Month CD and IRA$2,500.003.35%3.45%
60 Month CD and IRA$2,500.003.39%3.50%
Contact UsHours & Locations

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Rates and terms are subject to change without notice. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments. All above Annual Percentage Yields are accurate as of today's date. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured. 

Wild Card IRA CD

Save money at your discretion. Get the benefits of a CD with an IRA’s potential for higher rates of return.

Features & Benefits

  • 18-month term
  • $40.00 minimum to open
  • Make multiple deposits throughout the year

Wild Card IRA CD

Effective Date: 12/21/2024

3.25%

Interest Rate

  • Annual Percentage Yield (APY) - 3.35%
  • Minimum Balance - $40.00
Contact UsHours & Locations

Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice.

All IRAs/CESAs have specific eligibility requirements, modified adjusted gross income limits, contribution and deductibility limits and possible IRS and Association penalties for early withdrawal. It is recommended that you consult with a tax professional to discuss your eligibility and own personal tax liability with regard to federal, state and local income tax implications.

Jump to a Product

  • Certificate of Deposit
  • Traditional IRA
  • Roth IRA
  • CESA
  • Wild Card IRA CD
    • Competitive yields
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    • Flexible terms
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    • Compounded interest
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    • FDIC-insured
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    • Tax-advantaged contributions
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    • ✔️ (Traditional only)
    • Tax-advantaged distributions
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    • ✔️ (Roth only)

    What’s an IRA CD?

    While an IRA is invested in various assets, an IRA CD is invested strictly in CDs. The upside: Like traditional IRAs, IRA CDs offer tax benefits.

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    First-Time Homebuyer Program

    Minimize the stress of buying your first home by estimating costs and saving ahead.

    Learn More - First-Time Homebuyer Program

    Calculators

    What's the maximum mortgage I can afford? How much will I need to save for retirement? Let's find out.

    Do the Math - Calculators

    Additional Services and Resources

    Account Services

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