Skip to Main Content Skip to Sitemap Skip to Online Banking
placeholder for jump to top link
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+
  Interest Rate APY Interest Rate APY Interest Rate APY
3 Months 0.35% 0.35% 0.35% 0.35% 0.45% 0.45%
6 Months 0.45% 0.45% 0.50% 0.50% 0.70% 0.70%
12 Months 0.80% 0.80% 0.90% 0.90% 1.10% 1.11%
Special 18-Month IRA 1.95% 1.95% 1.95% 1.95% 1.95% 1.95%
18 Months 1.10% 1.11% 1.30% 1.31% 1.50% 1.51%
Special 24-Month IRA 2.40% 2.40% 2.40% 2.40% 2.40% 2.40%
24 Months 1.20% 1.21% 1.40% 1.41% 1.60% 1.61%
36 Months 1.95% 1.97% 2.15% 2.17% 2.35% 2.38%
48 Months 2.15% 2.17% 2.35% 2.38% 2.55% 2.58%
60 Months 2.35% 2.37% 2.55% 2.58% 2.75% 2.79%

*All rates are Annual Percentage Yield (APY). Minimum to open is $2,500. Special 24-Month CD, and Special 18-Month IRA are new money only, $250,000 maximum. APY is based on an assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. Rates accurate as of 3/2/2018.  May be discontinued or changed at anytime.
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.