Current IRA rates

All dividend rates and annual percentage yields are current as of January 23, 2023 .

IRA savings

Minimum Balance to Obtain APY ($)	Dividend Rate1 (%)	APY1 (%)
25.00 – 9,999.99	0.30	0.30
10,000.00 – 24,999.99	0.40	0.40
25,000.00 – 99,999.99	0.50	0.50
100,000.00 and up	1.00	1.01

IRA Certificates

$1,000.00 – $99,999.99

Term	Dividend Rate2 (%)	APY2 (%)
6 Month	2.96	3.00
12 Month	2.96	3.00
18 Month	2.62	2.65
24 Month	2.71	2.75
30 Month	2.71	2.75
36 Month	2.76	2.80
48 Month	2.81	2.85
60 Month	3.05	3.10

$100,000.00 or more

Term	Dividend Rate2 (%)	APY2 (%)
6 Month	2.03	2.05
12 Month	2.96	3.00
18 Month	2.62	2.65
24 Month	2.71	2.75
30 Month	2.71	2.75
36 Month	2.76	2.80
48 Month	2.81	2.85
60 Month	3.05	3.10

¹ The dividend rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.

² A minimum balance of $1,000.00 for 6, 12, 18, 24, 30, 36, 48 and 60 month terms is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.