IRA Certificates

Key Features

IRA Certificate Rates

TermDividend RateAPY
1 Year1.25%1.26%
2 Year1.45%1.46%
3 Year1.70%1.71%
4 Year1.75%1.77%
5 Year2.05%2.07%
7 Year2.10%2.12%

Available for Traditional IRA

*Please see 'Details and Disclosures' below for important account information. 


  • Dividends are compounded daily and paid monthly for maximum returns
  • Contributions are tax deductible
  • Partial withdrawals from IRA certificate or qualified distributions without an early redemption penalty
  • Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government:  

Keep in Mind: Early redemption penalties for non-qualified withdrawals. Minimum opening deposit is $1,000. Consult with a tax advisor.

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Details and Disclosures

Annual Percentage Yield (APY) is accurate as of June 1, 2017 - June 30, 2017 and is subject to change at any time. Fees may reduce earnings.

Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. The minimum balance to open a certificate is $1,000.


Early Redemption Penalties 

*Penalties are imposed for early withdrawal of IRA certificates. You must provide your request in writing.

If the certificate is redeemed within the first year, all dividends will be forfeited.


If after the first year, but prior to the maturity date, the early withdrawal penalty will equal 30% of what would have been earned if the certificate had been held to maturity, not to exceed total dividends earned.