Individual Retirement Account Rates
Individual Retirement Account (IRAs) Specials
Effective Date: Thursday, April 25, 2019
| Term** | Interest Rate | APY* | |
|---|---|---|---|
| 18-month certificate | 1.74% | 1.75% | How to Open |
| 27-month certificate | 2.28% | 2.30% | How to Open |
| 48-month certificate | 2.13% | 2.15% | How to Open |
Individual Retirement Accounts (IRAs)
Effective Date: Thursday, April 25, 2019
| Term** | Interest Rate | APY* | Account Actions |
|---|---|---|---|
| 3-month certificate | 0.20% | 0.20% | How to Open |
| 6-month certificate | 0.25% | 0.25% | How to Open |
| 12-month certificate | 1.49% | 1.50% | How to Open |
| 24-month certificate | 0.70% | 0.70% | How to Open |
| 36-month certificate | 0.90% | 0.90% | How to Open |
| 60-month certificate | 1.39% | 1.40% | How to Open |
*Annual Percentage Yields (APY) and Interest Rates are for fixed rate IRAs and may change at any time without notice. Minimum opening deposit of $500 is required for all fixed rate IRAs and is the minimum balance required to receive stated APYs. Fees may reduce earnings. A penalty may be imposed for early withdrawal. The Bank reserves the right to institute or change the maximum balance limits on monies on deposit by a depositor or in any specific account at any time. If balances exceed a maximum limit, the Bank reserves the right to not pay interest on the balance exceeding the maximum or to transfer the exceeding amount into a non-interest bearing account. We use the daily balance computation method to calculate interest on your accounts. This method applies a daily periodic rate to the principal in the account each day. We strongly recommend that you consult your attorney, tax or financial advisor with regard to your personal situation.