IRA Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
Start Up: $50 to $999
Dividend Rate / APY
$1,000 to $9,999
Dividend Rate / APY
$10,000 to $49,999
Dividend Rate / APY
$50,000 to $98,999
Dividend Rate / APY
Balance of $99,000 and over
3 months
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%
0.05% / 0.05%

Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
Tiered Rate Savings Certificates

Effective Date: 9/25/2024

Term
Dividend Rate / APY
$1,000 to $9,999.99
Dividend Rate / APY
$10,000 to $49,999.99
Dividend Rate / APY
$50,000 to $98,999.99
Dividend Rate / APY
Balance $99,000 and over
3 months
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
3.70% / 3.75%
6 months
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
3.50% / 3.55%
12 months
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
3.16% / 3.20%
18 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
24 months
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
2.97% / 3.00%
36 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
48 months
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
2.72% / 2.75%
60 months
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
3.21% / 3.25%
Flexible Savings Certificate*

Effective Date: 9/25/2024

Term
Dividend Rate
Annual Percentage Yield*
Minimum Balance
Regular 6-months Flex
3.50%
3.55%
$5,000
Sunrise 6-month Flex
0.30%
0.30%
$5,000

*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.