CD under $100,000

Term

Interest Rate

Annual Percentage Yield (APY)

3 Months

3.50

3.55

6 Months

3.45

3.49

9 Months

3.15

3.19

12 Months

2.30

2.32

18 Months

2.00

2.02

24 Months

0.55

0.55

30 Months

0.60

0.60

36 Months

0.60

0.60

48 Months

0.60

0.60

60 Months

0.75

0.75

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open CD is $500.00.

CD $100,000 to $249,999.99

Term

Interest Rate

Annual Percentage Yield (APY)

3 Months

3.75

3.80    

6 Months

3.70

3.75

9 Months

3.40

3.44

12 Months

2.55

2.57

18 Months

2.25

2.27

24 Months

0.80

0.80

30 Months

0.85

0.85

36 Months

0.85

0.85

48 Months

0.85

0.85

60 Months

1.00

1.00 

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open CD is $100,000.00.

CD $250,000 and over

Term

Interest Rate

Annual Percentage Yield (APY)

3 Months

3.90

3.96

6 Months

3.80

3.85

9 Months

3.65

3.70

12 Months

3.10

3.14

18 Months

2.50

2.52

24 Months

0.90

0.90

30 Months

1.10

1.10

36 Months

1.10

1.10

48 Months

1.10

1.10

60 Months

1.25    

1.26

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open CD is $250,000.00.

Tiers

Interest Rate

Annual Percentage Yield (APY)

2,500 - 4,999.99

0.03

0.03

5,000.00 - 24,999.99

0.05

0.05

25,000.00 - 49,999.99

0.25

0.25

50,000.00 – 99,999.99

0.50

0.50

100,000.00 - Over

1.10

1.11

Annual Percentage Yield is accurate as of 08/01/2025. Rates may change at any time without prior notice. Fees could reduce earnings on the account. Minimum to open $1,000.00. Monthly fee if average daily balance below $2,500.00.

Tiers

Interest Rate

Annual Percentage Yield (APY)

1,000.00 - 24,999.99

0.25

0.25

25,000.00 - 49,999.99

0.30

0.30

50,000.00 - 99,999.99

0.60

0.60

100,000.00 – 249,999.99

1.45

1.46

250,000.00 - Over

1.95

1.96

Annual Percentage Yield is accurate as of 08/01/2025. Rates may change at any time without prior notice. Fees could reduce earnings on the account. Minimum to open $25,000.00. Monthly fee if average daily balance below $25,000.00.

Types

Interest Rate

Annual Percentage Yield (APY)

Capital NOW Account

0.15

0.15

Savings Account

0.25

0.25

Variable Rate IRA

0.10

0.10

IOLTA Account

0.10

0.10

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. Fees could reduce earnings on the account. Minimum to open Capital NOW Account is $100 and to receive stated interest is $2,000. Minimum to open Savings Account and to receive stated interest is $100. Minimum to Open Variable Rate IRA and to receive stated interest is $300 for a term of 18 months. Minimum to open IOLTA Account is $100, no minimum required to receive stated interest.

IRA under $100,000

Term

Interest Rate

Annual Percentage Yield (APY)

12 Months

2.30

2.32

18 Months

2.00    

2.01

24 Months

0.55

0.55

36 Months

0.60

0.60

60 Months

0.75

0.75

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your IRA is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open IRA is $500.00.

IRA $100,000 to $249,999.99

Term

Interest Rate

Annual Percentage Yield (APY)

12 Months

2.55

2.57

18 Months

2.25

2.27

24 Months

0.80

0.80

36 Months

0.85

0.85

60 Months

1.00

1.00

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your IRA is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open IRA is $500.00.

IRA $250,000 and over

Term

Interest Rate

Annual Percentage Yield (APY)

12 Months

 3.10

 3.14

18 Months

2.50

2.52

24 Months

0.90

0.90

36 Months

1.10

1.10

60 Months

1.25

1.26

Annual Percentage Yield is accurate as of 08/01/2025. These rates may change at any time without prior notice. After your IRA is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum deposit to open IRA is $500.00.