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IRA & Share Certificates
Earn while you save.

Take advantage of our term share certificates and IRA certificates to earn monthly or quarterly dividends. Choose to have your dividends compounded into your certificate, deposited to your savings account, or mailed to you. Minimum balance to open a certificate is $500.

Rates Effective: 6/07/2023

 

*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.

CONTACT US to open a certificate today.

  • IRA Certificate Rates

    Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise. 

    Account Type

    Dividends Credited/ Compounded

    Monthly/ Quarterly
    Dividend Rate

    Monthly/ Quarterly
    APY*

    12 Months

    Monthly/Quarterly

    4.20 %

    4.28 % / 4.26 %

    18 Months

    Monthly

    3.65 %

    3.71 %

    24 Months

    Monthly/Quarterly

    4.45 %

    4.54 % / 4.52 %

    36 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    48 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    60 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    7 Month Special Monthly 4.77% 4.86%
    16 Month Special Monthly 4.76% 4.86%
    25 Month Special Monthly 4.75% 4.86%


    Learn More

      *APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal. 

    Rates Effective: 6/07/2023

  • Share Certificate Rates

    Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. 

    Account Type

    Dividends Credited/ Compounded

    Monthly/ Quarterly
    Dividend Rate

    Monthly/ Quarterly
    APY*

    6 Months

    Monthly/Quarterly

    2.75 %

    2.78 % / 2.77 %

    12 Months

    Monthly/Quarterly

    4.20 %

    4.28 % / 4.26 %

    18 Months

    Monthly

    3.65 %

    3.71 %

    24 Months

    Monthly/Quarterly

    4.45 %

    4.54 % / 4.52 %

    36 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    48 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    60 Months

    Monthly/Quarterly

    4.00 %

    4.07 % / 4.06 %

    7 Month Special Monthly 4.77% 4.86%
    16 Month Special Monthly 4.76% 4.86%
    25 Month Special Monthly 4.75% 4.86%

    Learn More

    *APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal. 

    Rates Effective: 6/07/2023

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.