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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 3.43% 3.53%
7 Month CD/IRA - Special 4.54% 4.54%
9 Month CD/IRA 3.16% 3.26%
12 Month CD/IRA 2.90% 3.00%
13 Month CD/IRA - Bump-up** 4.01% 4.01%
18 Month CD/IRA 2.56% 2.66%
24 Month CD/IRA 2.40% 2.50%
36 Month CD/IRA 2.25% 2.35%
48 Month CD/IRA 2.15% 2.25%
60 Month CD/IRA 2.05% 2.15%
Savings IRA § 0.10% 0.10%

Annual Percentage Yields (APYs) are effective as of 7/26/23, 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.