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IRA Rates

Individual IRA Accounts

TermMin Balance to Open/Obtain APYInterest RateAPY*
182 Day $1,000 0.40% 0.40%
18 Month** $25 0.45% 0.45%
30 Month $500 0.85% 0.85%
48 Month $500 1.00% 1.00%

*APY=Annual Percentage Yield.  APY assumes Interest and Principal will remain on deposit until maturity.**Variable rate account, rate may change after account is opened.  Subject to Early Withdrawal Penalty, a penalty may be imposed for early withdrawals. We use the Daily Balance Computation Method to calculate interest in your account. This method applies a daily periodic rate to the principal in the account each day. See Account Disclosure for full details. Balances over $100,000 see Jumbo IRA Rates. Subject to change at any time. Rates and APY effective as of September 28, 2022. 

Jumbo Individual Retirement Accounts

Term/TypeMin Balances to Open Acct. and Obtain APY/Tier 1Interest RateAPY*
182 Day IRA $100,000 0.50% 0.50%
18 Month – Variable** $100,000 0.55% 0.55%
30 Month $100,000 0.95% 0.95%
48 Month $100,000 1.10% 1.10%

*APY=Annual Percentage Yield.  APY assumes Interest and Principal will remain on deposit until maturity.**Variable rate account, rate may change after account is opened.  Subject to Early Withdrawal Penalty, a penalty may be imposed for early withdrawals. We use the Daily Balance Computation Method to calculate interest in your account. This method applies a daily periodic rate to the principal in the account each day. See Account Disclosure for full details. Rates and APY effective as of September 28, 2022. Subject to change at any time.