Start saving today for your retirement.
| Account Type | Minimum Average Daily Balance to Earn stated APY | Rate | APY* |
|---|---|---|---|
| Prime Share Account | $100.00 | 0.05% | 0.05% |
| Capital Account | $1,000.00 | 0.10% | 0.10% |
| Vacation Club Account | none | 0.05% | 0.05% |
| Christmas Club Account | none | 0.05% | 0.05% |
| IRA Share Account | none | 0.20% | 0.20% |
| Health Savings Account | none | 0.20% | 0.20% |
Last Dividend Declaration Date: 03/31/26 *APY is Annual Percentage Yield. Your interest rate and annual percentage yield may change after account is opened. Prime Share Account minimum balance is $5.00. Fees may reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure. |
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| Certificates of Deposit | |||
|---|---|---|---|
| Term | Minimum Opening Deposit | Interest Rate | APY* |
| 3 Month | $500.00 | 0.15% | 0.15% |
| 6 Month | $500.00 | 3.62% | 3.65% |
| 12 Month | $500.00 | 3.70% | 3.75% |
| 18 Month | $500.00 | 3.46% | 3.50% |
| 24 Month | $500.00 | 3.31% | 3.35% |
| 30 Month | $500.00 | 2.97% | 3.00% |
| 42 Month | $500.00 | 0.65% | 0.65% |
Effective Date: 05/21/26 through 05/27/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well. |
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A Traditional IRA allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions.
A Roth IRA is an individual retirement arrangement that allows you to make after-tax (nondeductible) contributions with the potential to take completely tax-free deductions.
You can withdraw the money anytime, subject to income tax. An IRS penalty tax also may apply unless you are age 59.5 or older. If you are age 73 or older, you must withdraw a required minimum amount each year to avoid penalty taxes.
You can withdraw the money from your Roth IRA anytime. Depending on when you take the money out and what type of Roth IRA assets (contributions, conversion or rollover amounts, or earnings) are included in the distribution, you may be subject to income tax and an IRS penalty tax. But if you have a "qualified distribution" all assets are tax and penalty free.
You can contribute to your Roth or Traditional IRA until the due date for filing your federal income tax return for the year (generally April 15th).
Yes. But the contribution amounts that you make to both types of IRAs for the same year cannot total more than your annual contribution limit.
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