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Certificate and IRA Certificate Rates
Rates as of January 25, 2021. Rates are subject to change without notice.
Regular Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
| 36 months | 0.90% | 0.90% |
| 48 months | 1.00% | 1.00% |
| 60 months | 1.20% | 1.21% |
APY= Annual Percentage Yield. Minimum balance to open Regular Certificate $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 25, 2021. Rates are subject to change without notice.
IRA Certificate Rates
| Term | Rate | APY |
| 3 months | 0.35% | 0.35% |
| 6 months | 0.45% | 0.45% |
| 12 months | 0.70% | 0.70% |
| 24 months | 0.95% | 0.95% |
| 36 months | 1.10% | 1.11% |
| 48 months | 1.20% | 1.21% |
| 60 months | 1.40% | 1.41% |
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 25, 2021. Rates are subject to change without notice.
Flex Certificate Rates
| Term | Rate | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.50% | 0.50% |
| 24 months | 0.75% | 0.75% |
APY= Annual Percentage Yield. Minimum balance to open Flex Certificate $250.00. Any term 3-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 25, 2021. Rates are subject to change without notice.
Save to Win® Certificate Rates
| Term | Amount | Rate | APY |
| 12 months | $25 - $4,999.99 | 0.75% | 0.75% |
| 12 months | $5,000 and above | 0.50% | 0.50% |
APY= Annual Percentage Yield. Minimum balance to open Save to Win® Certificate $25.00. The certificate has a 12-month term. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of January 25, 2021. Rates are subject to change without notice.
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