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, November 11, 2026
| Minimum Balance to Earn APY | Interest Rate | APY | |
|---|---|---|---|
| 7 -Month CD Special* 11-Month CD Special* New Money 10,000 or more | $500 $2,500 $10,000 | 4.07% 4.07% 4.17% | 4.15% 4.15% 4.26% |
| 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% |
| 18-Month CD | $500 | 3.54% | 3.60% |
| 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% |
*Annual Percentage Yield (APY) is accurate as of Wednesday, October 28, 2026. Business and Personal accounts qualify. Individual Retirement Accounts and SEP CDs included. A penalty may be imposed for early withdrawal.
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.