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Long-term planning starts with our competitive rates.

IRA Rates

Work toward a secure retirement.

IRA Accounts (IRA, ROTH IRA & Coverdell Education Account)

(Interest is compounded and credited monthly.)

Term $2,500-$24,999 $25,000-$99,999 $100,000+
3 Months 0.15% 0.15% 0.15% 0.15% 0.20% 0.20%
6 Months 0.25% 0.25% 0.30% 0.30% 0.40% 0.40%
12 Months 0.60% 0.60% 0.70% 0.70% 0.80% 0.80%
18 Months 0.70% 0.70% 0.85% 0.85% 0.95% 0.95%
24 Months 0.80% 0.80% 1.00% 1.01% 1.10% 1.11%
36 Months 1.00% 1.01% 1.20% 1.21% 1.30% 1.31%
48 Months 1.20% 1.21% 1.40% 1.41% 1.50% 1.51%
60 Months 1.30% 1.31% 1.50% 1.51% 1.75% 1.76%

*All rates are Annual Percentage Yield (APY). Minimum to open is $2,500. APY is based on an assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. 
Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs:
Loss of 30 days interest for CDs with a term of 6 months or less 
Loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months 
Loss of 180 days interest for CDs with a term greater than 12 months


Savings IRA, ROTH IRA & Coverdell Education Account (ESA)

placeholder cell Rate APY*
Savings 0.15% 0.15%

*APY is Annual Percentage Yield. Minimum to open is $5. APY may change after account is open. Withdrawals and fees may reduce earnings. Penalty may be imposed for early withdrawal.