Certificates
Certificate Rates
Effective Date: Sunday, December 14th, 2025
| Certificate Type | APR | APY |
|---|---|---|
| Small Savers (30 Months) | 3.75% | 3.80% |
| Traditional IRA (30 Months | 3.75% | 3.80% |
| Educational IRA (12 Months) | 4.25% | 4.32% |
| Roth IRA (12 Months) | 4.25% | 4.32% |
| 12 Month Certifcate | 4.25% | 4.32% |
| 9 Month Certificate | 4.15% | 4.22% |
| 6 Month Certifcate | 4.00% | 4.06% |
| *All rates are subject to change wihtout notice | ||