Individual Retirement Account (IRA)
Individual Retirement Account (IRA)
Invest today. Retire with peace of mind.
Your future is worth planning for.
Whether you're just getting started or adding to the savings you've already built, an Individual Retirement Account (IRA) gives you a dedicated way to set money aside and make retirement part of your financial journey.
Key features:
- Interest credited quarterly
- Flexible terms from 3 to 60 months
- Automatic renewal at maturity*
- FDIC insured up to the max permitted by law
- Options may offer tax advantages (consult your tax advisor)
Perfect for:
Long term savers, retirees, and anyone seeking low-risk investment options with predictable returns.
*IRA specials renew at a 12-month term. All others renew at original term.
Individual Retirement Account Options
| Terms | Compounding | Interest Rate | APY 1 |
|---|---|---|---|
| 3 Month | Maturity | 2.00% | 2.02% |
| 4 Month Special (Renews for 12 Month Term) | Quarterly | 3.36% | 3.40% |
| 6 Month | Quarterly | 2.00% | 2.02% |
| 12 Month | Quarterly | 1.35% | 1.36% |
| 13 Month Special (Renews for 12 Month Term) | Quarterly | 3.65% | 3.70% |
| 24 Month | Quarterly | 3.75% | 3.80% |
| 36 Month | Quarterly | 3.11% | 3.15% |
| 48 Month | Quarterly | 2.15% | 2.17% |
| 60 Month | Quarterly | 2.25% | 2.27% |
See Deposit Products to find the minimum requirements to earn the disclosed interest rates and for the minimum amounts required to open the different types of accounts.
1APY = Annual Percentage Yield. Annual Percentage Yield assumes all principal and interest remain on deposit for the entire term.
A penalty may be imposed for early withdrawal.
Rates effective as of 7/29/26. Rates subject to change.