Certificate of deposit & IRA rates

Rates current as of  July 18, 2025 and subject to change.
Fixed Rate CDs & IRAs
Term Minimum Opening Deposit APY* / Interest Rate Interest Paid Open Online
3 Month*
$250
$50,000
2.25%/2.23%
2.35%/2.33%
Maturity
6 Month*
$250
$50,000
4.00%/3.96%
4.10%/4.06%
Maturity
1 Year*
$250
$50,000
3.75%/3.70%
3.85%/3.80%
Quarterly
18 Month*
$250
$50,000
3.00%/2.97%
3.10%/3.06%
Quarterly
2 Year*
$250
$50,000
2.85%/2.82%
2.95%/2.92%
Quarterly
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30 Month*
$250
$50,000
2.75%/2.72%
2.85%/2.82%
Quarterly
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3 Year*
$250
$50,000
2.75%/2.72%
2.85%/2.82%
Quarterly
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4 Year*
$250
$50,000
2.75%/2.72%
2.85%/2.82%
Quarterly
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5 Year*
$250
$50,000
2.75%/2.72%
2.85%/2.82% 
Quarterly
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12 Month*
(CD only)
$250
$50,000
3.75%/3.69%
3.85%/3.78%
Monthly
 Open CD Now
30 Day*
(IRA only)
$250
$50,000
1.65%/1.64%
1.75%/1.74%
Maturity
 Get Started
*APY = Annual Percentage Yield. Withdrawals prior to maturity could reduce your earnings and a penalty may be imposed for early withdrawal. IRAs cannot be opened online.
 
Rates current as of July 18, 2025  and subject to change.
Variable Rate CDs & IRAs
Term Minimum Opening Deposit APY** / Interest Rate Interest Paid Open Now
6 Month** $250 or $10 with automatic transfer 3.55%/3.50% Quarterly Get Started
6 Month** $50,000 3.65%/3.60% Quarterly Get Started
1 Year** $250 or $10 with automatic transfer 3.00%/2.97% Quarterly Get Started
1 Year** $50,000 3.10%/3.06% Quarterly Get Started
**APY = Annual Percentage Yield. Variable Rate Certificates of Deposit (CDs) and IRAs are subject to adjustment weekly according to market conditions and management discretion. Withdrawals prior to maturity could reduce your earnings and a penalty may be imposed for early withdrawal. Variable rate CDs & IRAs cannot be opened online.
 
To open a variable rate CD or a CD as part of an IRA, trust, or business, please submit a request by clicking "Get Started," calling us at 1-800-288-3425, or visiting your nearest branch.
 
For business rates call 1-800-288-3425.