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: Friday, April 25, 2025
| Minimum Balance to Earn APY | Interest Rate | APY | |
|---|---|---|---|
| 5-Month CD / IRA or SEP Special* | $10,000 - CD Minimum $500 - IRA / SEP Minimum | 4.02% | 4.10% |
| 3-Month CD | $500 | .15% | .15% |
| Youth 6-Month CD | $75 | .40% | .40% |
| 6-Month CD | $500 | .40% | .40% |
| 12-Month CD | $500 | 1.98% | 2.00% |
| 2-Yr CD | $500 | 1.98% | 2.00% |
| 3-Yr CD | $500 | 1.98% | 2.00% |
| 4-Yr CD | $500 | 1.98% | 2.00% |
| 5-Yr CD | $500 | 1.98% | 2.00% |
| IRA/SEP Savings-Variable Rate | $25 | .08% | .08% |
*Annual Percentage Yield (APY) is accurate as of April 23, 2025. 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.