Certificate Account Rates
Certificate RatesOpen an Account
|Account Term||Interest Rate||APY^|
|3 Months (Not available for IRA or CESA)||3.75%||3.75%|
|6 Months (Not available for CESA)||4.00%||4.07%|
^ APY (Annual Percentage Yield). APY is accurate as of 03/01/2023. Required minimum opening deposit is $500. 4.33% APY is valid for 12-month certificates of deposit only. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.