Understanding Your Options
Traditional IRAs
Under this arrangement, contributions may be partially or fully deductible, but distributions are generally taxable.
Roth IRAs
With Roth IRAs, contributions are not deductible, but distributions can generally be withdrawn tax-free.
Please consult your tax advisor.
Effective Date: December 1, 2024
| Term |
Rate
$1000 Min
|
APY
$1000 Min
|
Rate
$50,000 Min
|
APY
$50, 000 Min
|
Rate
$100,000 Min
|
APY
$100,000 Min
|
|---|---|---|---|---|---|---|
| 30 Day CD | − | − | 0.05 | 0.05 | 0.05 | 0.05 |
| 60 Day CD | − | − | 0.05 | 0.05 | 0.05 | 0.05 |
| 90 Day CD | − | − | 0.05 | 0.05 | 0.05 | 0.05 |
| 91 Day CD | 0.05 | 0.05 | − | − | − | − |
| 6 month CD | 0.08 | 0.08 | − | − | − | − |
| 182 Day CD | − | − | 0.10 | 0.10 | 0.10 | 0.10 |
| 1 Year CD | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 |
| 18 Month CD | 0.20 | 0.20 | − | − | − | − |
| 24 Month CD | 0.25 | 0.25 | − | − | − | − |
| 4 Year CD | 0.40 | 0.40 | − | − | − | − |
| 18 Month IRA* | 0.15 | 0.15 | − | − | − | − |
For Certificates of Deposit and IRAs:
All rates are subject to change at any time.
APY = Annual Percentage Yield.
For Certificates Of Deposit:
Quarterly Compounded Interest.
Penalty for early withdrawal.
For IRAs:
*Variable Rate - Compounds Monthly.
Any of our CDs may be self-directed as IRA accounts.
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