Rates are effective as of July 8, 2025 and are subject to change without notice. Interest Rates & Annual Percentage Yields (APY) on Non-Fixed Rate Products are variable and may change after account opening. Fees may reduce the APY earned on an account.
Early withdrawal penalties may apply on Certificate of Deposit accounts.
Each Individual is limited to $100,000 in any one or combination of Online Certificate Accounts
"Bump It Up CD" offers a one-time rate increase to prevailing posted interest rates during the term of account. Additional deposits greater than $1,000 allowed during the term of account.
IRA accounts are FDIC insured term deposits that allow you to save for your future in a safe environment with great rates.
Rates are effective as of July 8, 2025 and are subject to change without notice. Interest Rates & Annual Percentage Yields (APY) on Non-Fixed Rate Products are variable and may change after account opening. Fees may reduce the APY earned on an account.
Early withdrawal penalties may apply on Fixed Rate IRA accounts.
Each Individual is limited to $100,000 in any one or combination of Online Certificate Accounts
Money Market accounts allow you to keep your money accessible while still earning interest. Minimum balances are required to avoid fees and balance totals determine interest rate. The more you save, the more you earn.
Balance
Interest Rate
Annual Percentage Yield
$2.5k Money Market
$2,500 - $24,999.99
1.00%
1.00%
$25k Money Market
$25,000 - $49,999.99
1.98%
2.00%
$50k Money Market
$50,000 - $99,999.99
1.98%
2.00%
$100k Money Market
$100,000 - $199,999.99
2.47%
2.50%
$200k Money Market
$200,000 - $249,999.99
2.47%
2.50%
$250k Money Market
$250,000 - $749,999.99
2.96%
3.00%
$750k Money Market
$750,000 +
2.96%
3.00%
Rates are effective as of July 8, 2025 and are subject to change without notice. Interest Rates & Annual Percentage Yields (APY) on Non-Fixed Rate Products are variable and may change after account opening. Fees may reduce the APY earned on an account.
Terms and Disclosure for Certificate of Deposit (CD) Accounts Opened Online
$25,000 minimum to open account
Each Individual is limited to $100,000 in any one or combination of Online Certificate Accounts
A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type.
Ownership available: Individual or Joint ownership (beneficiaries allowed). No Trust or business ownership available at this time.
If your account does not fund within 30 days of the application date, your account will receive the current posted interest rate for the term selected on the original application.
Online applications will expire 45 days from the date of the application if the account has not completed all steps, including funding of the account.
Interest will be credited to the account, however, no interest will be disbursed by check (or any other method) during the term of the account.
Online CD accounts have a grace period of 7 business days. If you cash out your certificate at maturity, the transaction must take place during the grace period and will be disbursed to an account of your choosing, which must be identified and confirmed in advance, using your online banking credentials.
Statements and notices will be delivered electronically. No paper statements will be generated.
All activity for accounts opened online is intended to be managed via the Online Banking system (e.g. Opening, inquiries, and closing). Activity conducted in-branch on this account type is not allowed without an additional $10 fee per transaction.
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