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All Certificates of Deposit (CD) and IRA's are interest bearing accounts. The current interest rate and annual percentage yield (APY) may be obtained by contacting the customer service area at one of our 3 locations. The interest rate and APY will not change for the term of the account. Interest begins to accrue when the CD or IRA is purchased. Interest will be compounded daily and will be credited at least annually. A withdrawal will reduce earnings. A penalty will be assessed for early withdrawal. Certificates of Deposit and IRA's have a minimum deposit of $1000 and can be purchased for the following terms:


  • 3 months
  • 6 months
  • 1 year
  • 2 years
  • 3 years
  • 4 years *
  • 5 years *

*products subject to availability


Our Individual Retirement Accounts allow your returns to grow tax deferred until withdrawal if certain conditions are met. We offer the following IRA products to help you save toward your retirement:

  • Traditional IRA
  • Roth IRA
  • Simplified Employee Pension (SEP)
  • IRA Transfers
  • IRA Rollovers
  • Coverdell Education Savings Account