Rates are subject to change daily. For the most accurate information, please stop by or contact one of our Branch Locations.
Time Certificate of Deposit
Rates Effective 10/10/24 Until Adjusted
Scroll to the left to see the rest of the rates table
| Type | Minimum/Opening Balance | Interest Rate (%) | APY* |
|---|---|---|---|
| 91 Day C.D. | $2,500 | 2.00 | 2.02 |
| 182 Day C.D. | $2,500 | 3.50 | 3.56 |
| 12 month (1 Year) C.D. | $100 | 3.75 | 3.82 |
| 18 Month (1.5 Year) C.D. | $100 | 3.50 | 3.56 |
| 24 Month (2 Year) C.D. | $100 | 3.10 | 3.14 |
| 30 Month (2 1/2 Year) C.D. | $100 | 2.80 | 2.84 |
| 36 Month (3 Year) C.D. | $100 | 2.25 | 2.27 |
| 48 Month (4 Year) C.D. | $100 | 2.15 | 2.17 |
| 60 Month (5 Year) C.D. | $100 | 2.00 | 2.02 |
Individual Retirement Accounts
Rates Effective 04/17/23 Until Adjusted
| Type | Minimum/Opening Balance | Interest Rate (%) | APY* |
|---|---|---|---|
| I.R.A Fixed - 6 Month | $25 | 4.25 | 4.33 |
| I.R.A Variable - 18 Month | $25 | 3.50 | 3.56 |
| I.R.A Fixed - 18 Month | $25 | 3.60 | 3.66 |
| I.R.A Fixed - 30 Month | $25 | 2.90 | 2.94 |
* Annual Percentage Yield (APY) is based on quarterly compounding of interest. Fees may reduce earnings. Penalty may apply for early withdrawal.
CD Calculators
Use these handy calculators to learn more about saving with Certificates of Deposit.
- Certificate of Deposit: Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
- CD Ladder: Use this calculator to examine the benefits of investing in a series of Certificates of Deposit with different maturities, also called a CD ladder.
Individual Retirement Account Calculators
Use these handy calculators to learn more about Traditional and Roth IRAs. If you are interested in non-CD IRA accounts, visit First Northern Advisors.
- Regular IRA: Contributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth.
- Roth IRA: Creating a Roth IRA can make a big difference in your retirement savings. Use this calculator to help estimate how much.
- Roth Transfer: This calculator compares two alternatives with equal out of pocket costs to estimate the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.