Rates
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Our CDs offer competitive fixed rates and different term lengths to match your financial needs and savings goals.
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Purchase: 7/1 Adjustable Rate Mortgage (ARM)
Apply Now| Loan Type | Loan Type Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment - 7 years | Ex: Monthly Payment - 23 years |
|---|---|---|---|---|---|---|
| 7/1 ARM | 6.000%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 | 6.919% | 0.000 | $300,000 | $1,798.65 | $2,681.00 maximum P&I payment over the remaining 23 years |
Interest Rates Effective: 02/02/2023
Revised: 12/22/2022
Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. Loan terms include an initial 7-year fixed P&I payment. After the initial fixed period, your P&I payment & interest rate adjusts annually based on the 1-year Constant Maturity Treasury (CMT) index plus a 3.00% margin (fully indexed rate) for the remaining term of the loan, the interest and payments may increase. Interest rate caps over the start rate are 5% initial, 2% subsequent and 5% lifetime. APR (Annual Percentage Rate) is based on loan amount and interest rate and may increase after loan consummation. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rates, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Home Equity Loans
Apply Now| Loan Term | Closing Costs | APR | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|
| 15-year Fixed Rate Home Loan | Paid by Customer | 6.750% | $100,000 | $884.91 |
Interest Rates Effective: 02/02/2023
Example rate is based on a primary residence and borrower credit score of 740. Assumes the borrower has a first lien mortgage and the home equity loan is a second lien on subject property. Max 80% LTV. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Jumbo: Purchase Loan Rates
Title :
Jumbo: Purchase Loan Rates
Effective Date :
02/02/2023
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) :
https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Apply Now Action :
Deposit Rates
Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.
Checking
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| Cascade Checking Up to $1,000.00 | 0.00% | 0.00% | Daily | $25.00 |
| Cascade Checking $1,000.00 - $49,999.99 | 0.01% | 0.01% | Daily | $1,000.00 |
| Cascade Checking $50,000.00 - $99,999.00 | 0.01% | 0.01% | Daily | $50,000.00 |
| Cascade Checking $100,000.00 or more | 0.02% | 0.02% | Daily | $100,000.00 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
BUSINESS CHECKING * ASK FOR DETAILS
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
Savings
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| Summit Savings | 0.03% | 0.03% | Daily | $100 |
| Holiday Club | 0.03% | 0.03% | Daily | $25 |
| First Savings* | 0.03% | 0.03% | Daily | $1 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.
*Minimum Deposit to open is $1.00
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
Business Savings
| Balance | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| Any | 0.03% | 0.03% | Daily | $0 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
Premium Business Savings
| Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
|---|---|---|---|---|
| $0 - $99,999.99 | 0.03% | 0.03% | Daily | $0 |
| $100,000 - $249,999.99 | 2.47% | 2.50% | Daily | $100,000 |
| Over $250,000 | 2.96% | 3.00% | Daily | $250,000 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
First Rate Money Market Rates
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| $1,000.00 - $9,999.99 | 0.05% | 0.05% | Daily | $1,000.00 |
| $10,000.00 - $49,999.99 | 0.05% | 0.05% | Daily | $10,000.00 |
| $50,000.00 - $99,999.99 | 0.10% | 0.10% | Daily | $50,000.00 |
| $100,000.00 or more | 0.15% | 0.15% | Daily | $100,000.00 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
Spruce Money Market Rates
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| $10,000-$99,999.99 | 0.10% | 0.10% | Daily | $10,000.00 |
| $100,000.00 - $249,999.99 | 0.15% | 0.15% | Daily | $100,000.00 |
| $250,000.00 - $499,999.00 | 0.20% | 0.20% | Daily | $250,000.00 |
| $500,000.00 or more | 0.30% | 0.30% | Daily | $500,000.00 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
CD Specials
| Term | Rate | APY* | Minimum to Open | Notes |
|---|---|---|---|---|
| 13 months | 3.92% | 4.00% | $10,000 | |
| 25 months | 4.16% | 4.25% | $25,000 | |
| 30 months with a rate bump | 3.20% | 3.25% | $25,000 | You can request a one-time rate bump on your CD to the current 30-month rate at the time of the bump. |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
*Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest. Penalties may be imposed on early withdrawal. Fees could reduce earnings.
Fixed Rate CDs
| Term | Interest $100 to $9,999 | APY | Interest $10,000 to $49,999 | APY | Interest $50,000 to $99,000 | APY | $100,000 and above | APY |
|---|---|---|---|---|---|---|---|---|
| 46 Days | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 3 Months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% |
| 6 Months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% |
| 1 Year | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
| 2 Years | 1.14% | 1.15% | 1.14% | 1.15% | 1.14% | 1.15% | 1.14% | 1.15% |
| 3 Years | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% |
| 4 Years | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
| 5 Years | 1.98% | 2.00% | 1.98% | 2.00% | 1.98% | 2.00% | 1.98% | 2.00% |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. Fees could reduce earnings. Interest compounds daily.
*APY assumes funds remain on deposit for 1 year.
Variable Rate CD
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| 9 Months | 0.25% | 0.25% | Daily | $25.00 |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest. Interest rate and annual percentage yield may change at any time. Penalties may be imposed on early withdrawal. Fees could reduce earnings.
Traditional and Roth IRA CDs
| Term | Interest $100 to $9,999 | APY | Interest $10,000 to $49,999 | APY | Interest $50,000 to $99,000 | APY | $100,000 and above | APY |
|---|---|---|---|---|---|---|---|---|
| 12 months | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
| 24 months | 1.14% | 1.15% | 1.14% | 1.15% | 1.14% | 1.15% | 1.14% | 1.15% |
| 36 months | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% |
| 48 months | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
| 60 months | 1.98% | 2.00% | 1.98% | 2.00% | 1.98% | 2.00% | 1.98% | 2.00% |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalties may be imposed on early withdrawal. Minimum balance per tier required to open. Fees could reduce earnings.
Interest compounds daily. If principal is withdrawn prior to maturity a penalty may be imposed. The penalty is waived at age 59 ½.
Retirement & Education Savings Rates
| Amount | VIP Interest | VIP APY | Roth Interest | Roth APY | Coverdell Interes | Coverdell APY |
|---|---|---|---|---|---|---|
| $25 to $4,999 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| $5,000 to $24,999 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| $25,000 to $49,999 | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
| $50,000 and above | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
Interest Rates Effective: 01/23/2023
Revised: 01/19/2023
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum balance per tier required to open. Fees could reduce earnings.
Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.
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