Last Dividend Declaration Date: 12/31/24 *APY is Annual Percentage Yield. Your interest rate and annual percentage yield may change after account is opened. Prime Share Account minimum balance is $5.00. Fees may reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.
CERTIFICATES OF DEPOSIT
Term
Minimum Opening Deposit
Interest Rate
APY*
3 Month
$500.00
0.15%
0.15%
6 Month
$500.00
3.96%
4.00%
12 Month
$500.00
3.55%
3.60%
18 Month
$500.00
3.36%
3.40%
24 Month
$500.00
3.31%
3.35%
30 Month
$500.00
3.26%
3.30%
42 Month
$500.00
0.65%
0.65%
Effective Date: 04/10/25 through 04/16/25. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
*APY is Annual Percentage Yield. A $500 minimum opening deposit is required to open and earn the advertised APY. The APY is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.
A Roth IRA is an individual retirement arrangement that allows you to make after-tax (nondeductible) contributions with the potential to take completely tax-free deductions.
You can withdraw the money anytime, subject to income tax. An IRS penalty tax also may apply unless you are age 59.5 or older. If you are age 73 or older, you must withdraw a required minimum amount each year to avoid penalty taxes.
You can withdraw the money from your Roth IRA anytime.
Depending on when you take the money out and what type of Roth IRA assets (contributions, conversion or rollover amounts, or earnings) are included in the distribution, you may be subject to income tax and an IRS penalty tax. But if you have a "qualified distribution" all assets are tax and penalty free.
