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Online BankingIt’s never too early – or too late – to start saving for your future. Meet your retirement savings goals with our certificates and individual retirement accounts. We can help you get started today!
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Certificates of Deposit
Grow your money faster with our certificates of deposit that let you earn higher interest on your money when you deposit and maintain a minimum balance of $500 to $25,000, for terms ranging from 91 days to 48 months. Minimum amounts and interest rates vary depending on terms.
Our current rates are available at all of our branch locations.
To calculate your FDIC insurance limits, click here.
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Annual Percentage Yield
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Annual Percentage Yield
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Annual Percentage Yield
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| Certificate Term | Interest Compounded | Minimum To Open | Minimum to Earn Stated APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|---|
| Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time. Interest is compounded and credited monthly.If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates not available to Commercial and Institutional investors.
Rates Effective November 1, 2020 |
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| 91 Day | At Maturity | $1,000.00 | $1,000.00 | 0.40% | 0.40% |
| 182 Day | At Maturity | $1,000.00 | $1,000.00 | 0.40% | 0.40% |
| 182 Day | At Maturity | $25,000.00 | $25,000.00 | 0.80% | 0.80% |
| 12 Month | Quarterly | $500.00 | $500.00 | 0.70% | 0.70% |
| 12 Month | Quarterly | $25,000.00 | $25,000.00 | 1.10% | 1.10% |
| 18 Month | Quarterly | $500.00 | $500.00 | 0.75% | 0.75% |
| 18 Month | Quarterly | $25,000.00 | $25,000.00 | 1.15% | 1.15% |
| 24 Month | Quarterly | $500.00 | $500.00 | 0.80% | 0.80% |
| 24 Month | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 30 Month | Quarterly | $500.00 | $500.00 | 0.80% | 0.80% |
| 30 Month | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 36 Month | Quarterly | $500.00 | $500.00 | 0.90% | 0.90% |
| 36 Month | Quarterly | $25,000.00 | $25,000.00 | 1.24% | 1.25% |
| 36 Month Step Up | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 48 Month | Quarterly | $500.00 | $500.00 | 0.95% | 0.95% |
| 48 Month | Quarterly | $25,000.00 | $25,000.00 | 1.29% | 1.30% |
Individual Retirement Account Rates
We’ll help you select the retirement account that’s right for you. Enjoy tax advantages while you save. We offer variable IRAs and IRA CDs. Open a variable IRA with as little as $5. You must maintain a minimum balance to earn interest. IRA earnings are tax deferred until withdrawn. Competitive rates are maintained and posted in our bank lobbies as well as our drive-ups, walk-ups, and here on our website. ROTH, Education, and Simple IRAs are also available upon request.
| Type | Interest Compounded | Minimum To Open | Minimum to Earn Stated APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|---|
| Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time. Interest is compounded and credited monthly.If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal.Fees may reduce earnings. Rates not available to Commercial and Institutional investors.
Rates Effective November 1, 2020 |
|||||
| Variable IRA & Roth IRA | Monthly | $5.00 | $100.00 | 0.65% | 0.65% |
| Fixed IRA & Roth IRA | Quarterly | $500.00 | $500.00 | **see CD rates and terms | **see CD rates and terms |
| Education IRA | Quarterly | $100.00 | $100.00 | 0.90% | 0.90% |
| Certificate Term | Interest Compounded | Minimum To Open | Minimum to Earn Stated APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|---|
| Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time. Interest is compounded and credited monthly.If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates not available to Commercial and Institutional investors.
Rates Effective November 1, 2020 |
|||||
| 91 Day | At Maturity | $1,000.00 | $1,000.00 | 0.40% | 0.40% |
| 182 Day | At Maturity | $1,000.00 | $1,000.00 | 0.40% | 0.40% |
| 182 Day | At Maturity | $25,000.00 | $25,000.00 | 0.80% | 0.80% |
| 12 Month | Quarterly | $500.00 | $500.00 | 0.70% | 0.70% |
| 12 Month | Quarterly | $25,000.00 | $25,000.00 | 1.10% | 1.10% |
| 18 Month | Quarterly | $500.00 | $500.00 | 0.75% | 0.75% |
| 18 Month | Quarterly | $25,000.00 | $25,000.00 | 1.15% | 1.15% |
| 24 Month | Quarterly | $500.00 | $500.00 | 0.80% | 0.80% |
| 24 Month | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 30 Month | Quarterly | $500.00 | $500.00 | 0.80% | 0.80% |
| 30 Month | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 36 Month | Quarterly | $500.00 | $500.00 | 0.90% | 0.90% |
| 36 Month | Quarterly | $25,000.00 | $25,000.00 | 1.24% | 1.25% |
| 36 Month Step Up | Quarterly | $25,000.00 | $25,000.00 | 1.19% | 1.20% |
| 48 Month | Quarterly | $500.00 | $500.00 | 0.95% | 0.95% |
| 48 Month | Quarterly | $25,000.00 | $25,000.00 | 1.29% | 1.30% |
Individual Retirement Account Rates
We’ll help you select the retirement account that’s right for you. Enjoy tax advantages while you save. We offer variable IRAs and IRA CDs. Open a variable IRA with as little as $5. You must maintain a minimum balance to earn interest. IRA earnings are tax deferred until withdrawn. Competitive rates are maintained and posted in our bank lobbies as well as our drive-ups, walk-ups, and here on our website. ROTH, Education, and Simple IRAs are also available upon request.
| Type | Interest Compounded | Minimum To Open | Minimum to Earn Stated APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|---|
| Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time. Interest is compounded and credited monthly.If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal.Fees may reduce earnings. Rates not available to Commercial and Institutional investors.
Rates Effective November 1, 2020 |
|||||
| Variable IRA & Roth IRA | Monthly | $5.00 | $100.00 | 0.65% | 0.65% |
| Fixed IRA & Roth IRA | Quarterly | $500.00 | $500.00 | **see CD rates and terms | **see CD rates and terms |
| Education IRA | Quarterly | $100.00 | $100.00 | 0.90% | 0.90% |
Individual Retirement Accounts
We’ll help you select the retirement account that’s right for you. Enjoy tax advantages while you save. We offer Traditional and Roth IRAs with a fixed or variable rate option. Open an IRA with as little as $5 and maintain a minimum balance to earn interest.
IRA earnings are tax deferred until withdrawn. Competitive rates are available at all of our locations. Education, and Simple IRAs are also available upon request.
Call or stop by any of our locations to open your account today.