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IRA Rates

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All rates are subject to change at the Bank’s discretion based on current market conditions. These rates are effective July 12, 2018.

IRA RATES (TRADITIONAL, ROTH & EDUCATION)*

Minimum Opening Deposit
Interest Rate
APY
Annual Percentage Yield
Fixed Rate 12 Month $250 1.74% 1.75%
15 Month
One-time bump up option
$2,500 0.30% 0.30%
18 Month $250 1.83% 1.85%
24 Month $250 1.98% 2.00%
30 Month $250 0.40% 0.40%
36 Month $250 0.50% 0.50%
48 Month $250 0.75% 0.75%
60 Month $250 1.05% 1.06%
5 Year Bump Up $250 0.95% 0.95%
72 Month $250 1.05% 1.06%

* A penalty is imposed for early withdrawal from an IRA.