Certificates & IRAs

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Certificates

It's always a wise investment when you choose one of our certificates. If you can leave your savings alone for a specific period of time, a certificate could be the right choice for you. They pay competitive rates and are easy to set up.

 

  • All certificates can be opened with just $500 (only $250 for minors)
  • Offered at terms from 3 to 60 months
  • Dividends compound daily and are posted monthly to your certificate or savings account

 

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Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are great tools to help you stockpile your money, all the while earning great dividends. We offer both Traditional IRAs and Roth IRAs. Certificate IRAs can be opened with just $500 with terms 12-60 months. Savings account IRAs are also available with our IRA Saver product. You may deposit funds at any time, up to the IRS limits. No minimum balance required. Consult your tax advisor regarding your individual tax circumstances.

  • Traditional IRA

    With a Traditional IRA, deposits, or contributions, may be tax-deductible. So you may pay less income tax in the year contributions are made. Your earnings grow tax-deferred, which means taxes are generally paid when the money is withdrawn from the IRA.

  • Roth IRA

    With a Roth IRA, contributions are nondeductible and taxed in the year they are earned. The Roth IRA features tax-free withdrawals for certain distribution reasons after a five-year holding period.

To open an IRA:

Call us at 563-355-0152 or 800-426-5241.
Stop in to any of our convenient locations as we would love to see you!

  • Certificates

    Certificate Term*Dividend RateAnnual Percentage Yield
    3 Months0.200%0.20% APY
    6 Months0.499%0.50% APY 
    12 Months0.598%0.60% APY
    13 Months **3.730%3.80% APY
    18 Months0.698%0.70% APY 
    21 Months ***4.066%4.15% APY
    24 Months0.747% 0.75% APY
    30 Months3.922%4.00% APY
    36 Months0.995%1.00% APY
    48 Months1.193%1.20% APY
    60 Months1.489%1.50% APY


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    Annual Percentage Yield (APY) is accurate as of August 25, 2026. Fees may reduce earnings on the account.

    *All certificates are renewable with a 10-day grace period. Minimum opening deposit is $500. There is a penalty for early withdrawal.

    **Upon maturity, the 13-month certificate will renew to a 12-month certificate.

    **Upon maturity, the 21-month certificate will renew to an 18-month certificate.

    IRA Certificates are available at the same dividend rates as our regular Certificates . Certificates may be designated traditional or Roth IRAs. 91-day, 6-month and 9-month terms not available for IRA Certificates. Other restrictions and requirements may apply. Rates subject to change. 




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