Effective February 01, 2026 / PLEASE NOTE THE SPECIALS FOR 6-MONTH, 11-MONTH, AND 13-MONTH.
| TERM | NON-COMPOUNDING | APY | COMPOUNDING | APY |
|---|---|---|---|---|
| 6 MONTH | 3.40%* | 3.40%* | 3.40% | 3.44% |
| 9 MONTH | 2.45%* | 2.45%* | 2.45% | 2.47% |
| 11 MONTH | 3.55% | 3.55%* | 3.55% | 3.60% |
| 12 MONTH | 2.75%** | 2.75%** | 2.75%** | 2.78** |
| 13 MONTH | 3.45%* | 3.45%* | 3.45% | 3.49% |
| 18 MONTH | 2.65%* | 2.65%* | 2.65% | 2.68% |
| 24 MONTH | 2.70%* | 2.70%* | 2.70% | 2.73% |
| 27 MONTH | 2.75%* | 2.75%* | 2.75% | 2.78% |
| 36 MONTH | 2.80%* | 2.80%* | 2.80% | 2.83% |
A minimum balance of $1,000 is required to be maintained for all regular Share Certificates. A minimum balance of $300 is required to be maintained for regular Share Certificates on minor accounts (Age 0-18). SPECIAL 6-MONTH CD & 13-MONTH OFFERS ARE LIMITED TO A MINIMUM OF $2,000 AND $50,000 MAX PER PRIMARY MEMBER PER CALENDAR MONTH. SPECIAL 11-MONTH CD OFFER IS LIMITED TO A MINIMUM OF $5,000 AND $50,000 MAX PER MEMBER PER CALENDAR MONTH.
*Dividend payments are mandatory, but the dividends cannot remain in the account. A penalty may be imposed for early withdrawal.
** 12 month CD has 1 time penalty-free withdrawal.
IRA CERTIFICATES OF DEPOSIT
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| LAST DIVIDEND DECLARATION DATE: December 31, 2025 | |||
| IRA Share Account | $25 minimum balance | 0.50% | 0.50% |
| PROSPECTIVE DIVIDEND RATE & APY: March 31, 2026 (Please note 24-Month Special) | |||
| IRA Share Account | $25 minimum balance | 0.50% | 0.50% |
| 18-Month IRA CD | $500 minimum balance | 2.75%* | 2.78%* |
| 24-Month IRA CD | $500 minimum balance | 3.20%* | 3.24%* |
| 36-Month IRA CD | $500 minimum balance | 2.85%* | 2.88%* |
| 48-Month IRA CD | $500 minimum balance | 2.90%* | 2.93%* |
| 60-Month IRA CD | $500 minimum balance | 3.00%* | 3.03%* |
*A penalty may be imposed for early withdrawal.
Contact an Employee about applicable fees and terms.