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Share Certificate and IRA Share Certificate Rates
Rates effective 01/21/2026 through 02/03/2026
| Term of Certificate | Minimum Balance | APY* |
|---|---|---|
| 6 Months | $1,000.00 | 3.55% |
| 12 Months | $1,000.00 | 3.75% |
| 24 Months | $1,000.00 | 3.05% |
| 36 Months | $1,000.00 | 3.05% |
| 60 Months | $1,000.00 | 3.15% |
For certificates purchased through 02/03/2026.
*APY=Annual Percentage Yield
Penalty for Early Maturity of a Certificate:
Terms through 6 months: 30 days interest on amount withdrawn. Terms 12 months through 24 months: 90 days interest on amount withdrawn. Terms over 24 months: 180 days interest on amount withdrawn. There is no difference in the penalty for an IRA or REG share certificate. If the penalty is more than the accrued dividends, it will come from the principal of the certificate.