With an IRA Share Certificate, you can lock in the rates of a Certificate which are the benefits of an IRA. Receive high yields, paid monthly, while your earnings are tax-deferred until you begin making withdrawals.


  • A minimum balance of $1,000 is required to open an IRA Certificate for a term of one to five years.

View Current Rates

Share Certificate Account Rates

Effective Date: Wednesday, May 22, 2019

*APY = Annual Percentage Yield. All dividend rates and APY may change at any time. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates. Additional account information is provided in separate Account Disclosures. Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Money Market dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings.

1$200 Minimum to open account. Must maintain average daily balance of $200 to receive the above stated dividend.

2$1,000 Minimum to open account. Must maintain average daily balance of $1,000 to earn the above stated dividend. Penalties apply for early withdrawals. Fees could reduce earnings.