*APY=Annual Percentage Yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Rates are subject to change without notice. **Applies to new money only (not currently on deposit with the bank) †Also available as an IRA.
CD Rates
Member FDIC
Annual Percentage Yield as of
| Certificate of Deposit | Interest Rate | Annual Percentage Yield | Minimum Opening Deposit | Minimum Balance to Earn APY* |
|---|---|---|---|---|
| 3 Month Time Deposit & IRA | 0.10% | 0.10% | $500.00 | $500.00 |
| 6 Month Time Deposit & IRA | 0.10% | 0.10% | $500.00 | $500.00 |
| 9 Month Time Deposit & IRA | 0.15% | 0.15% | $500.00 | $500.00 |
| 1 Year Time Deposit & IRA | 0.20% | 0.20% | $500.00 | $500.00 |
| 2 Year Time Deposit & IRA | 0.25% | 0.25% | $500.00 | $500.00 |
| 3 Year Time Deposit & IRA | 0.30% | 0.30% | $500.00 | $500.00 |
| 4 Year Time Deposit & IRA | 0.45% | 0.45% | $500.00 | $500.00 |
| 5 Year Time Deposit & IRA | 0.50% | 0.50% | $500.00 | $500.00 |
| 11-Month CD Special† | 4.17% | 4.25% | $500.00 | $500.00 |
| 13-Month CD Special** † | 4.89% | 5.00% | $500.00 | $500.00 |
| 18-Month CD Special** † | 2.05% | 2.07% | $100,000.00 | $100,000.00 |