Time Deposits Last Updated: November 30, 2023

5Account Product NameMinimum Opening DepositInterest RateAnnual PercentageYield (APY)
3-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

3.21% 3.25%
6-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

4.52% 4.60%
12-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

4.67% 4.75%
18-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

4.28% 4.35%
24-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

3.45% 3.50%
30-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

3.21% 3.25%
36-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

3.21% 3.25%
48-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

2.82% 2.85%
60-Month Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

2.72% 2.75%
12-Month IRA Certificate of Deposit1,2 $1,000

no

no

Balances Over $1,000

no

4.67% 4.75%
24-Month IRA Certificate of Deposit1,2 $1,000

no

no

Balances Over 1,000

no

3.45% 3.50%

 

1. A penalty may be imposed for early withdrawal.

2. The minimum daily balance required to obtain the APY is $1,000.00. $1,000.00 for IRA Accounts. Fees could reduce the earnings on all accounts. We reserve the right at any time to require not less than 7 days’ notice in writing before any withdrawals from an interest-bearing account.