Certificates
Certificate Rates
Effective Date: Friday, January 30th, 2026
| Certificate Type | APR | APY |
|---|---|---|
| Small Savers (30 Months) | 3.50% | 3.55% |
| Traditional IRA (30 Months | 3.50% | 3.55% |
| Educational IRA (12 Months) | 4.00% | 4.06% |
| Roth IRA (12 Months) | 4.00% | 4.06% |
| 12 Month Certifcate | 4.00% | 4.06% |
| 9 Month Certificate | 3.85% | 3.91% |
| 6 Month Certifcate | 3.75% | 3.80% |
| *All rates are subject to change wihtout notice | ||