Investment Rates
Rates as of Nov. 1, 2026, and are subject to change without notice.
CERTIFICATE SPECIAL – NEW MONEY: 13 Months, with $500.00 to open. For new funds, rate of 4.37% APY^ and, for existing funds, rate of 4.12% APY^. Quarterly dividends. Early withdrawals are subject to penalty.
Certificates
Our fixed rate certificates have a minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| Term | APY^ |
|---|---|
| 3 Months | 3.55% |
| 6 Months | 3.65% |
| 12 Months | 3.85% |
| 18 Months | 3.91% |
| 24 Months | 4.01% |
| 36 Months | 4.06% |
| 60 Months | 4.11% |
IRA and Roth Certificates
Our fixed rate IRA and Roth certificates have a minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| IRA | |
|---|---|
| Term | APY^ |
| 18 Months | 3.29% |
| 36 Months | 3.34% |
| ROTH IRA | |
| Term | APY^ |
| 12 Months | 3.24% |
| ROTH CONVERTIBLE | |
| TERM | APY^ |
| 12 Months | 3.24% |