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CDs & IRAs


Finally, a certificate of deposit that keeps pace with a changing rate environment!  Our new Flex Index CD instantly allows our customers to earn more when the Fed raises rates!

Choose from the following terms:

  • 12 month Flex Index CD
  • 24 month Flex Index CD
  • 36 month Flex Index CD

Account Details

  • Interest rate is based on a Prime Rate index minus a margin of 2.75%, with a floor of 0%
  • Interest rate may change at any time based on changes in the index
  • Minimum balance to open CD is $1000
  • Must maintain minimum balance of $1000 every day to earn APY
  • Penalty may be imposed for early withdrawal
Have questions? Contact one of our Banking Professionals for assistance.
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*Flex Index CD Annual Percentage Yield (APY) is current as of 02/02/2023

Traditional CDs and IRAs

Preparing for your financial security requires developing a plan. Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) offer safe and secure ways to achieve your plan while earning higher interest rates than traditional savings accounts. Explore your options and choose the right fit for you. You can count on the expertise of our specialists who are ready to guide you in the right direction.
Certificates of Deposit (CD)Traditional and Roth IRA Certificates of Deposit
Minimum Balance to Open$1,000$1,000
TermsRange from 91 days to 60 MonthsRange from 91 days to 60 Months
Monthly Service ChargeNoneNone; no transaction or set-up fees
Earns InterestYesYes
Interest AccrualCompounded daily, credited monthlyCompounded daily, credited monthly
Free Online Banking and Mobile BankingYesYes
Penalty for Early WithdrawalYes; amount of penalty based on termYes; amount of penalty based on term. Exception for required minimum distributions
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