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Certificates of Deposit

If you can spare access to your cash for at least a few months, our Certificates of Deposit (CDs) could be an effective way to earn interest at rates higher than normal savings accounts. Most CDs require a $500 minimum deposit* and are available as both personal and business accounts. You choose a term ranging from three months to six years, and a fixed or variable interest rate†, then sit back and let your money go to work for you.

CD/IRA Type APYs for Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) *,‡ APYs for Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) with Balances Over $100,000
3 Month CD/IRA
4 Month CD/IRA - Special
6 Month CD/IRA 0.30% 0.35%
7 Month CD/IRA - Special 4.29% 4.29%
9 Month CD/IRA 0.35% 0.40%
12 Month CD/IRA 0.50% 0.55%
13 Month CD/IRA - Bump-up** 3.75% 3.75%
18 Month CD/IRA 0.61% 0.65%
24 Month CD/IRA 0.71% 0.75%
36 Month CD/IRA 0.76% 0.81%
48 Month CD/IRA 0.81% 0.91%
60 Month CD/IRA 1.00% 1.10%
Savings IRA § 0.10% 0.10%

Annual Percentage Yields (APYs) are effective as of 3/9/23, and are subject to change without notice.

* All fixed rate CDs have a minimum opening deposit of $500.  Savings IRA has a minimum opening deposit of $50.
**Bump-up CD allows the opportunity for a one-time rate increase during the 13-month CD term.

† The Savings IRA interest rate and APY may change after account is opened.

‡ Fees may reduce the earnings on an account. A penalty may be imposed for early withdrawal of certificates.

§ You may make unlimited deposits to a Savings IRA account.