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Rates
Savings & Investment
Loans

 
IRA/ESA Savings Rates
Product Dividend Rate APY *
IRA Savings Account 0.15% 0.15%
  • $100 Minimum balance is required to open and maintain an IRA.
  • Early withdrawal penalties apply.
  • Rates shown are subject to change.
* APY = Annual Percentage Yield

IRA/ESA Certificate Rates - With as little as $100
Product Dividend Rate APY *
3 mo certificate 0.30% 0.30%
6 mo certificate 0.40% 0.40%
12 mo certificate 0.65% 0.65%
18 mo certificate 0.75% 0.75%
24 mo certificate 0.85% 0.85%
36 mo certificate 0.95% 0.95%
48 mo certificate 1.14% 1.15%
60 mo certificate 1.24% 1.25%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted on IRA/ESA Certificates with terms of 12 months or less.
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
* APY = Annual Percentage Yield

IRA/ESA Jumbo Certificate Rates - Over $100,000
Product Dividend Rate APY *
Jumbo 6 mo certificate 0.40% 0.40%
Jumbo 12 mo certificate 0.65% 0.65%
Jumbo 24 mo certificate 0.85% 0.85%
Jumbo 60 mo certificate 1.24% 1.25%
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
*APY = Annual Percentage Yield

IRA/ESA Step-Up Certificate Rates - Benefits you if rates go up
Product Dividend Rate APY *
36 mo certificate 0.95% 0.95%
48 mo certificate 1.14% 1.15%
60 mo certificate 1.24% 1.25%
  • Limited Time Offer
  • Minimum Opening Balance: $5000
  • Minimum Required Balance: $5000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
    • Fees may reduce earnings
*APY = Annual Percentage Yield
Step-Up Certificate Terms & Conditions Disclosure