IRA Accounts
It’s never too early to think about your future.
If you’re fortunate enough to be thinking about retirement, and if those plans include relaxation, hobbies and/or traveling, we offer both Roth IRAs and Traditional IRAs.
Current Rates
Effective Date: Wednesday, March 18, 2026
| Minimum Balance to Earn APY | Interest Rate | APY | |
|---|---|---|---|
| 11-Month IRA Special* | $500 | 3.73% | 3.80% |
| 3-Month CD | $500 | .15% | .15% |
| Youth 6-Month CD | $75 | 1.98% | 2.00% |
| 6-Month CD | $500 | 3.63% | 3.70% |
| 12-Month CD | $500 | 3.49% | 3.55% |
| 2-Yr CD | $500 | 2.96% | 3.00% |
| 3-Yr CD | $500 | 3.05% | 3.10% |
| 4-Yr CD | $500 | 3.05% | 3.10% |
| 5-Yr CD | $500 | 3.05% | 3.10% |
| Health Savings Account CD | $500 | .60% | .60% |
| IRA/SEP Savings-Variable Rate | $25 | .08% | .08% |
*Annual Percentage Yield (APY) is accurate as of Friday, March 6th. Personal accounts only. Special offer applies to IRAs and SEPs. The account will not earn interest below the minimum qualifying balance. Term of 11 months. A penalty may be imposed for early withdrawal. Have an IRA somewhere else? We’ll reimburse up to $250 of your transfer penalty.
**Annual Percentage Yield (APY) is accurate as of February 20, 2026. Commercial, Business and Personal accounts qualify. Individual Retirement Accounts included. E-statement only. The account will not earn interest below the minimum qualifying balance.
Certificates of Deposit are available as Individual Retirement Account. Deposits of $250 or more may be added during the term to all new and renewed IRA/SEP CDs. For IRAs, the minimum amount you can deposit is designated in your IRA disclosure.
A penalty may be imposed for early withdrawal of certificates of deposit, including IRAs/SEPs invested in certificates of deposit.
Annual Percentage Yield (APY) is accurate as of effective date listed above.
Certificates of Deposit are available as Individual Retirement Account. Deposits of $250 or more may be added during the term to all new and renewed IRA/SEP CDs. For IRAs, the minimum amount you can deposit is designated in your IRA disclosure.
A penalty may be imposed for early withdrawal of certificates of deposit, including IRAs/SEPs invested in certificates of deposit.
The rate may change on variable rate deposit products after the account is opened.