Fixed-Rate Regular & IRA Certificates
 
 
 
Balance
Type
Rate
APY
$250
6 month
0.250%
0.25% APY
$250
12 month
0.250%
0.25% APY
$250
24 month bump
0.300%
0.30% APY
$250
36 month bump
0.400%
0.40% APY
$250
48 month bump
0.450%
0.45% APY
$250
60 month bump
0.499%
0.50% APY
$250
84 month bump
0.748%
0.75% APY
$25 (Youth, ages 17 and under)*
12 months
0.350%
0.35% APY
 
APY (Annual Percentage Yield) as of October 1, 2020, and is subject to change. A penalty may be charged for early withdrawal. Certificate balances are capped at $250,000, plus dividends. One-Time Bump: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Add-On: If your certificate has an add-on feature, add-ons are limited to $10,000 through the duration of the certificate. Certificate add-ons are also subject to the certificate balance cap of $250,000 plus dividends. IRA certificate add-ons are subject to limits set by the IRS. Dividends will be compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance.