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Share Certificates
Share Certificates typically earn better dividend rates than traditional savings accounts and money markets. Get started with either a $500.00 or $5,000.00 opening deposit; rates of standard share certificates are tiered based on the balance.
Dividends are compounded daily. All share certificates can be viewed from Online Banking, and Mobile Banking.
Share Certificate Rates
| Account Type | Minimum Required Balance to Earn Dividend | Dividend Rate | APY* | Penalty |
|---|---|---|---|---|
| 3 Month | $500.00 | 3.68% | 3.75% | Loss of 90 days' dividends |
| 6 Month | $500.00 | 3.44% | 3.50% | Loss of 90 days' dividends |
| 12 Month | $500.00 | 3.44% | 3.50% | Loss of 90 days' dividends |
| 18 Month | $500.00 | 3.20% | 3.25% | Loss of 180 days' dividends |
| 24 Month | $500.00 | 3.20% | 3.25% | Loss of 180 days' dividends |
| 36 Month | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
| 48 Month | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
| 60 Month | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
Special Share Certificates
Our special share certificates do not have tiered rates:
- Golden Year Certificate (60-month) — minimum balance of $5,000.00; 1 withdrawal allowed (loss of 180 days' dividends for each additional withdrawal)
Special Share Certificates Rates
| Account Type | Minimum Required Balance to Earn Dividend | Dividend Rate | APY* | Penalty |
|---|---|---|---|---|
| 60 Month Golden Year Share Certificate (must be 62 years of age or older) |
$5,000.00 | 3.44% | 3.50% | No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends. |
Savings Calculator
Individual retirement accounts (IRAs)
If you are looking for an easy way to start saving for retirement, our simple IRAs, Roth IRAs and SEPs will put you on the right path. Because our IRAs all feature fixed rates, they don’t fluctuate with the sometimes-volatile stock market.
Rates of standard IRAs are tiered based on the balance — from $500.00 to $5,000.00. Dividends are compounded daily and posted every quarter.
Our team is happy to answer any questions before you begin or even if you’re well on your way. You can also use Online Banking, Mobile Banking and Telephone Banking to monitor your IRA.
IRA Share Certificate Rates
| Individual Retirement Account | Minimum Required Balance to Earn Dividend | Dividend Rate | APY* | Penalty |
|---|---|---|---|---|
| 3 Month IRA | $500.00 | 3.68% | 3.75% | Loss of 90 days' dividends |
| 6 Month IRA | $500.00 | 3.44% | 3.50% | Loss of 90 days' dividends |
| 12 Month IRA | $500.00 | 3.44% | 3.50% | Loss of 90 days' dividends |
| 18 Month IRA | $500.00 | 3.20% | 3.25% | Loss of 180 days' dividends |
| 24 Month IRA | $500.00 | 3.20% | 3.25% | Loss of 180 days' dividends |
| 36 Month IRA | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
| 48 Month IRA | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
| 60 Month IRA | $500.00 | 3.44% | 3.50% | Loss of 180 days' dividends |
Resources for IRAs
Consult the IRS website for additional assets related to IRAs:
Retirement calculator
Get started
Stop by your nearest branch or fill out the form below!