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Share & IRA CDs

Effective May 21, 2026

Description APR APY (1)*
12 Months 3.65% 3.715%
24 Months 3.70% 3.767%
36 Months 3.75% 3.819%
48 Months 3.90% 3.973%
60 Months 4.00% 4.077%
72 Months 4.25% 4.339%
120 Months 4.50% 4.599%

* Annual Percentage Yield

Minimum CD $1000.

* Rates and/or terms are subject to change without prior notice.

Compounding is as follows:

  • All accounts compound monthly

Amount of Certificate Early Withdrawal Penalty

  • For Term Share Certificate and IRA Certificates of 36 months or less - 60 days dividends
  • For Term Share Certificate and IRA Certificates of 48 and 60 months - 90 days dividends
  • For Term Share Certificate and IRA Certificates of 72 months - 180 days dividends
  • For Term Share Certificate and IRA Certificates of 120 months - 270 days dividends