Terms for Roth IRA Savings Account + CDs
Individual Retirement Accounts (IRA) CDs for Less than $5,000.
Rates differ for higher amounts.
| Certificate Term | Certificate Rates (APY*) |
| 6 Months | 0.50% |
| 12 Months | 0.70% |
| 18 Months | 0.80% |
| 24 Months | 0.85% |
| 36 Months | 0.90% |
| 48 Months | 1.10% |
| 60 Months | 1.20% |
*Annual Percentage Yield
Rates effective March 1, 2025 and subject to change without notice. Check on rates for larger deposit amounts.
Minimum Deposit of $500
Penalty for early withdrawal:
6-18 Month CD = 90 days, 24-60 Month CD = 180 days
Dividends Compounded Daily
Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal
Certificate Rates and Terms
| Term Rate | (APY*) |
| 6 Months | 0.30% |
| 12 Months | 0.50% |
| 18 Months | 0.60% |
| 24 Months | 0.65% |
| 36 Months | 0.70% |
| 48 Months | 0.90% |
| 60 Months | 1.00% |
Minimum Deposit of $500
Penalty for early withdrawal:
6-8 months = 90 days and 24-60 Months = 180 days
Dividends Compounded Daily
*Annual Percentage Yield
Rates effective March 1, 2025 and subject to change without notice. Check on rate for larger deposit amounts.
IRA Savings
| Minimum Balance | Rate (APY)* |
| $10 initial share deposit | 0.40% Variable |
*Annual Percentage Yield
Rates effective March 1, 2025 and subject to change without notice.
Consult a tax adviser for recommendations.