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Certificate (CD) rates
Rates as of 10/21/2026 and are subject to change without notice.
Certificates: $10,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 9 month special** | 4.50% | 4.58% |
| 12 month | 4.00% | 4.06% |
| 18 month | 3.75% | 3.80% |
| 24 month | 3.50% | 3.55% |
| 36 month2 | 3.25% | 3.25% |
Certificates and IRA certificates: $1,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.25% | 1.26% |
| 18 month | 1.25% | 1.26% |
| 24 month | 1.75% | 1.76% |
| 36 month2 | 1.75% | 1.75% |
IRA certificates: $25,000 minimum
| Term | Dividend rate | APY* |
|---|---|---|
| 12 month | 1.75% | 1.76% |
| 18 month | 2.00% | 2.02% |
| 24 month | 2.50% | 2.52% |
| 36 month2 | 2.50% | 2.50% |
*Annual Percentage Yield. APY is accurate as of the last dividend declaration date. The dividend rate and APY are set forth above. Dividends are compounded quarterly. Rates are subject to change daily. The dividend rate and APY are fixed and will be in effect for the term of the account. Penalty may be imposed for early withdrawal. Any fees imposed on this account may reduce the earnings on the account. The minimum balance listed is required to earn the stated APY.
** CD special will roll into a 12-month regular certificate upon maturity. Limited time availability. Rates subject to change without notice.
2Dividends are compounded yearly.