CDs / IRAs

See Deposit Rates for our Current CD Rates.


CDARS®

Looking for safety for your large deposits, plus CD-level rates that may compare favorably to Treasuries or government money market mutual funds? Find out why thousands of safety-conscious individual, business and other entity investors choose CDARS®, the easiest way to access multi-million-dollar FDIC insurance. To learn more, view our CDARS® presentation or contact us.

Limits apply. CDARS® is a registered service mark of Promontory Interfinancial Network, LLC.


IRA & HSA
  • Minimum balance to open the account - $200.00
  • Rate information - Your interest rate and annual percentage yield may change
  • Frequency of rate changes - We may change the interest rate on your account quarterly
  • Determination of rate - At our discretion, we may change the interest rate on your account
  • Compounding and crediting frequency - Interest will be compounded and credited to your account every quarter
  • Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
  • Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks)


Retirement account fee schedule: 
  • Termination of account - $50.00 
  • Transfer of funds - $50.00 
  • Rollover of funds - $50.00 
  • Open new account - No Charge 
  • Maintenance of account - No Charge 
  • Early withdrawal (prior to 59 1/2 years of age) - $50.00 
  • Required annual or semiannual disbursement - No Charge 
  • Health Savings Account - No Charge
  • Self Directed IRAs & HSAs- per Trust Fee Schedule