IRA and ESA Rates

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IRA/ESA Savings Rates

ProductDividend RateAPY *
IRA/ESA Savings Rates0.15%0.15%
 
  • $100 Minimum balance is required to open and maintain an IRA.
  • Early withdrawal penalties apply.
  • IRS contribution limits apply
  • Rates shown are subject to change.

    * APY = Annual Percentage Yield

IRA/ESA Certificate Rates - With as little as $100

ProductDividend RateAPY *
3 mo. Certificate0.15%0.15%
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
18 mo. Certificate0.50%0.50%
24 mo. Certificate0.60%0.60%
36 mo. Certificate0.90%0.90%
48 mo. Certificate1.09%1.10%
60 mo. Certificate1.39%1.40%
 
  • 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 Jumbo Certificate Rates - Over $100,000

ProductDividend RateAPY *
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
60 mo. Certificate1.39%1.40%
 
  • 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