CDs & IRAs
Certificates of Deposit & IRAs
Invest in a CD or IRA, and watch your money grow
Certificates of Deposit (CDs) CDs are one of the easiest ways to earn more from your money. Individual Retirement Account (IRA) An IRA is a special account that is created specifically for retirement. Please consult with your tax advisor to determine if an IRA contribution or withdrawal is appropriate for you.CD & IRA Interest Rates
Rates current as of December 18, 2025
| TYPE OF PRODUCT | MINIMUM DEPOSIT | INTEREST RATE | Annual Percentage Yield (APY)* | EARLY WITHDRAWAL PENALTIES (Minimum $25) |
|---|---|---|---|---|
| 3 Month Fixed CD | $250 | 4.10% | 4.16% | 91 Days Interest |
| 6 Month Fixed CD | $250 | 4.10% | 4.16% | 181 Days Interest |
| 12 Month Fixed CD | $250 | 3.90% | 3.96% | 181 Days Interest |
| 18 Month Fixed CD | $250 | 3.80% | 3.85% | 365 Days Interest |
| 24 Month Fixed CD | $250 | 3.75% | 3.80% | 365 Days Interest |
| 30 Month Fixed CD | $250 | 3.50% | 3.55% | 365 Days Interest |
| 36 Month Fixed CD | $250 | 3.25% | 3.29% | 365 Days Interest |
| 48 Month Fixed CD | $250 | 3.00% | 3.03% | 365 Days Interest |
| 60 Month Fixed CD | $250 | 2.75% | 2.78% | 365 Days Interest |