Certificates of Deposit (CD) Rates4
Current CD Special Rate
| Term |
Regular CDs Rate - APY |
Flex CDs Rate - APY |
| 3 Months |
0.35% - 0.35% |
N/A |
| 6 Months |
0.40% - 0.40%
|
0.30% - 0.30% |
| CD Special: 7 Months |
3.51% - 3.54% |
N/A |
| 12 Months |
0.50% - 0.50% |
0.40% - 0.40% |
| CD Special: 13 Months |
3.54% - 3.54% |
N/A |
| 24 Months |
0.60% - 0.60% |
N/A |
| 36 Months |
0.70% - 0.70% |
N/A |
| 48 Months |
0.75% - 0.75% |
N/A |
| 60 Months & Longer |
0.85% - 0.85% |
N/A |
| 60 Month IRA |
0.85% - 0.85% |
N/A |
Money Market Deposit Rates
Regular Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| Less Than $2,500 |
0.15% |
0.15% |
| Greater Than or Equal to $2,500 |
0.65% |
0.65% |
Premier Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $0 - $24,999.99 |
0.00% |
0.15% |
| $25,000 & Above |
3.01% |
3.05% |
Select Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $25,000 - $99,999.99 |
0.85% |
0.85% |
| $100,000 - $499,999.99 |
1.15% |
1.16% |
| $500,000 & $999,999.99 |
1.30% |
1.31% |
| $1,000,000 - $2,499,999.99 |
1.50% |
1.51% |
| $2,500,000 & Above |
1.50% |
1.51% |
Investors Advantage Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $2,500 - $9,999.99 |
0.65% |
0.65% |
| $10,000 - $24,999.99 |
0.65% |
0.65% |
| $25,000 - $49,999.99 |
0.85% |
0.85% |
| $50,000 - $99,999.99 |
0.85% |
0.85% |
| $100,000 - $249,999.99 |
1.15% |
1.16% |
| $250,000 - $499,999.99 |
1.15% |
1.16% |
| $500,000 - $999,999.99 |
1.30% |
1.31% |
| $1,000,000 & Above |
1.50% |
1.51% |
Other Deposit Rates1,3
| Account Type |
Rate |
APY |
Minimum to Open |
| Statement Saving |
0.10% |
0.10% |
$100 |
Interest Checking
|
0.10% |
0.10% |
$1,000 |
| Holiday Club - AFT |
0.00% |
0.00% |
$2 |
| Holiday Club - Coupon Book |
0.00% |
0.00% |
-- |
| All Purpose Club - AFT |
0.00% |
0.00% |
$2 |
| All Purpose Club - Coupon Book |
0.00% |
0.00% |
-- |
1Rates are updated daily and are subject to change.
2Minimum to open and maintain account is $1,000.
3APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates are updated daily and are subject to change. Fees could reduce earnings. Other rates and terms may also be available.
4Annual Percentage Yield (APY) assumes that interest is compounded and credited to the certificate of deposit (CD). Rates are effective as of January 6, 2026, and are subject to change without notice. A minimum deposit of $1,000 is required to open a CD. The 7-month CD offers a 3.51% interest rate with a 3.54% APY, and the 13-month CD offers a 3.54% interest rate and APY. Upon maturity, CDs will automatically renew into the closest preceding term unless other instructions are provided. Early withdrawal penalties may apply. Fees could reduce earnings. This offer is not available for brokered deposits or for non-customers outside our market area.
