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Certificate Rates

Certificates
Effective Date: Wednesday, October 7th, 2026
Term Certificates$1,000
Minimum
Dividend Rate

*APY
$25,000 Minimum
Dividend Rate

*APY
$50,000 Minimum
Dividend Rate

*APY
$100,000 Minimum
Dividend Rate

*APY
6 Months - Fixed 2.80% 2.84% 3.00% 3.04% 3.15% 3.20% 3.35% 3.40%
10 Month "Special"     4.00% 4.08% 4.10% 4.18% 4.20% 4.28%
12 Months - Fixed 2.95% 2.99% 3.15% 3.20% 3.30% 3.35% 3.55% 3.61%
18 Months "Special"     4.10% 4.18% 4.20% 4.28% 4.30% 4.39%
24 Months - Fixed 3.10% 3.14% 3.25% 3.30% 3.45% 3.51% 3.65% 3.71%
36 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%
48 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%
60 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%

IRA Certificates
Effective Date: Wednesday, October 7th, 2026
Term Certificates$1,000
Minimum
Dividend Rate

*APY
$25,000 Minimum
Dividend Rate

*APY
$50,000 Minimum
Dividend Rate

*APY
$100,000 Minimum
Dividend Rate

*APY
12 Months - Fixed 2.95% 2.99% 3.15% 3.20% 3.30% 3.35% 3.55% 3.61%
24 Months - Fixed 3.10% 3.14% 3.25% 3.30% 3.45% 3.51% 3.65% 3.71%
36 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%
48 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%
60 Months - Fixed 3.20% 3.25% 3.35% 3.40% 3.55% 3.61% 3.65% 3.71%

Annual Percentage Yield (APY) assumes that dividends remain in the account until maturity and a withdrawal will reduce earnings.  A penalty will be imposed on early withdrawals from certificates.

Rates and Terms are subject to change without notice.  Refer to Truth-in-Savings Disclosure for terms and conditions.

 

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