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Rates

Effective 12/1/2022

Individual Retirement Accounts (IRA)

Flexible IRA (includes Traditional, Roth, and CESA IRAs)
Balance Range for Dividends* Nominal Rate/APY**
$0.00 to $99.99 0.00% / 0.00%
$100.00 to $4,999.99 0.20% / 0.20%
$5,000.00 to $9,999.99 0.35% / 0.35%
$10,000.00 or more 0.45% / 0.45%

IRA products can only be opened in branch.

*Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

IRA Certificates $500 Minimum to Open
Account Nominal Rate/APY** Dividends Paid
1 Year 1.24% / 1.25% Monthly
2 Year 1.19% / 1.20% Monthly
3 Year 1.49% / 1.50% Monthly
4 Year 1.54% / 1.55% Monthly
5 Year 1.59% / 1.60% Monthly
Add-On/Bump-Up Certificates
Account Min. to Open Nominal Rate/APY**
1 Year Add-On*** $100.00 1.24% / 1.25%
30-Month Bump* $2,500.00 1.09% / 1.10%

Certificate of Deposit Rates Effective 12/1/22

*Eligible for one rate bump to the 24 month rate during the term.

***Dividends paid monthly. $10.00 minimum to add-on.

**APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

Special IRA Certificates
Account Min. to Open Nominal Rate/APY**
15-Month Special $500.00 4.17% / 4.25%

Certificate of Deposit Rates Effective 12/1/22

Renews to 12-month at maturity.

IRA products can only be opened in branch.

**APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

For account fees please see fee schedule.