Certificate and Retirement Accounts

Effective Date: Wednesday, January 15, 2025

Certificate and Retirement Accounts (Rate Table)
Account Type	Annual Percentage Yield (APY)	Minimum Balance To Earn APY/Open	Actions
6 Month	4.90	$1,000.00	Open an Account
12 Month	0.60	$1,000.00	Open an Account
12 Month	0.75	$10,000.00	Contact Us
12 Month	0.90	$25,000.00	Open an Account
13 Month *	4.25	$500.00	Open an Account
18 Month	0.75	$1,000.00	Open an Account
18 Month	0.85	$10,000.00	Contact Us
18 Month	1.00	$25,000.00	Contact Us
24 Month	3.50	$1,000.00	Open an Account
24 Month	3.75	$25,000.00	Contact Us
36 Month^^	2.00	$5,000.00	Open an Account
48 Month	3.25	$1,000.00	Contact Us
48 Month	3.50	$25,000.00	Contact Us
60 Month	2.00	$1,000.00	Open an Account
60 Month	2.50	$25,000.00	Open an Account
84 Month	2.50	$10,000.00	Contact Us
Wealth Builder IRA^*°	0.25	$50.00	Contact Us
Wealth Builder IRA^*°	0.50	$5,000.00	Contact Us
Wealth Builder IRA^*°	1.00	$25,000.00	Contact Us

^ Denotes variable rate account. The interest rate may change after the account is opened.
^^ denotes bump up CD-one rate adjustment per term

* certain limitations apply
# minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.