Investment Rates
Rates as of December 1, 2025, and are subject to change without notice.
Certificate Specials
Our certificate specials have a minimum amount to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| Term | Minimum | Annual Percentage Yield |
|---|---|---|
| 8 Months – New $ | $500.00 | 4.02% |
| 8 Months – Not New $ | $500.00 | 3.92% |
Certificates
Our fixed rate certificates have a minimum amount to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| Term | Minimum | Annual Percentage Yield |
|---|---|---|
| 3 Months | $500.00 | 3.45% |
| 6 Months | $500.00 | 3.35% |
| 12 Months | $500.00 | 4.25% |
| 18 Months | $500.00 | 3.00% |
| 24 Months | $500.00 | 2.75% |
| 36 Months | $500.00 | 2.50% |
| 60 Months | $500.00 | 3.00% |
IRA and Roth Certificates
Our fixed-rate IRA and Roth certificates have a minimum amount to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
| IRA Certificate | ||
|---|---|---|
| Term | Minimum | Annual Percentage Yield |
| 18 Months | $500 | 3.29% |
| 36 Months | $500 | 3.34% |
| ROTH IRA Certificate | ||
| Term | Minimum | Annual Percentage Yield |
| 12 Months | $500 | 3.24% |
| ROTH CONVERTIBLE Certificate | ||
| Term | Minimum | Annual Percentage Yield |
| 12 Months | $500 | 3.24% |