Holiday Hours

As we celebrate the holidays, please note our adjusted branch hours:
  • Wednesday, 12/24: Closing at 2:00 PM
  • Thursday, 12/25: Closed
  • Wednesday, 12/31: Closing at 2:00 PM
  • Thursday, 1/1: Closed
You can always access your accounts through online & mobile banking, and our ATMs are available 24/7. Wishing you a joyful holiday season and a happy new year! 
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Individual Retirement Account (IRA)

Banking local makes it easy and convenient to save for a healthy financial future.

Individual Retirement Account Features

  • $1000 minimum balance to open and earn Annual Percentage Yield (APY)
  • Lock in a secured interest rate for a fixed period of time1
  • Deposits are fully insured by the Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF)
  • Terms from 6 months to 5 years
View IRA Rates

1Penalties may be imposed on early withdrawals. Fees may reduce earnings. 

IRA Rates*

Effective as of 1/2/2026

TermInterest RateAnnual Percentage Yield (APY)Minimum to Open & Earn APY
6 months0.35%0.35%$1,000.00
7 months - SPECIAL3.69%3.75%$1,000.00
12 months0.35%0.35%$1,000.00
18 months2.96%3.00%$1,000.00
24 months3.20%3.25%$1,000.00
36 months3.20%3.25%$1,000.00
48 months3.20%3.25%$1,000.00
60 months3.20%3.25%$1,000.00

*APY = Annual Percentage Yield

Penalties may be imposed on early withdrawals. Fees may reduce earnings. Rates are subject to change.

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service.

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Individual Retirement Account (IRA)

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Our Additional Savings Accounts

Optimum Savings | Optimum Money Market | Plus One Money Market | CD| Holiday Club |Vacation Club

Individual Retirement Account (IRA)

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Learn more about Video Banking

Our Additional Savings Accounts

Optimum Savings | Optimum Money Market | Plus One Money Market | CD

Questions?

Make an Appointment Contact Us Visit a Branch Video Banking

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