Current Rates: CDs and IRAs.

Maximize your savings and secure a strong financial future with our competitive interest rates on certificates of deposit (CDs) and individual retirement accounts (IRAs)!

Exclusive Offers on CD Rates1

Accurate as of Monday, January 20, 2025
Visit a location near you to learn more and open your CD today.
Term1 Interest Rate Annual Percentage Yield (APY)
Term113 Month Interest Rate3.50% Annual Percentage Yield (APY)3.50%

Relationship CD Rates1

Accurate as of Monday, January 20, 2025
You're eligible for a relationship CD if you have a Benefit Interest Checking account! Visit a location near you to learn more and open your CD today.
Term1 Interest Rate Annual Percentage Yield (APY)
Term13 Month (90 Day) Interest Rate3.99% Annual Percentage Yield (APY)4.05%
Term16 Month (182 Day) Interest Rate3.72% Annual Percentage Yield (APY)3.75%
Term11 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term12 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term13 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term14 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term15 Year Interest Rate2.75% Annual Percentage Yield (APY)2.75%

CD Rates1

Accurate as of Monday, January 20, 2025
Visit a location near you to learn more and open your CD today.
Term1 Interest Rate Annual Percentage Yield (APY)
Term13 Month (90 Day) Interest Rate3.50% Annual Percentage Yield (APY)3.55%
Term16 Month (182 Day) Interest Rate3.22% Annual Percentage Yield (APY)3.25%
Term11 Year Interest Rate2.50% Annual Percentage Yield (APY)2.50%
Term12 Year Interest Rate2.50% Annual Percentage Yield (APY)2.50%
Term13 Year Interest Rate2.50% Annual Percentage Yield (APY)2.50%
Term14 Year Interest Rate2.50% Annual Percentage Yield (APY)2.50%
Term15 Year Interest Rate2.25% Annual Percentage Yield (APY)2.25%

 

IRA CD Rates1

Accurate as of Monday, January 20, 2025
Visit a location near you to learn more and open your IRA CD today.
Term1 Interest Rate Annual Percentage Yield (APY)
Term13 Month (90 Day) Interest Rate3.99% Annual Percentage Yield (APY)4.05%
Term16 Month (182 Day) Interest Rate3.72% Annual Percentage Yield (APY)3.75%
Term11 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term12 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term13 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term14 Year Interest Rate3.00% Annual Percentage Yield (APY)3.00%
Term15 Year Interest Rate2.75% Annual Percentage Yield (APY)2.75%

 

IRA Money Market Rates1

Accurate as of Monday, January 20, 2025
Visit a location near you to learn more and open your IRA money market today.
Interest Rate Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY
Interest Rate0.35% Annual Percentage Yield (APY)0.35% Minimum to Open$100 Minimum to Earn APY$500 - $24,999.99
Interest Rate0.35% Annual Percentage Yield (APY)0.35% Minimum to Open$100 Minimum to Earn APY$25,000 - $99,999.99
Interest Rate0.50% Annual Percentage Yield (APY)0.50% Minimum to Open$100 Minimum to Earn APY$100,000 - $249,999.99
Interest Rate1.00% Annual Percentage Yield (APY)1.00% Minimum to Open$100 Minimum to Earn APY$250,000 - $499,999.99
Interest Rate1.99% Annual Percentage Yield (APY)2.00% Minimum to Open$100 Minimum to Earn APY$500,000 - $999,999.99
Interest Rate2.48% Annual Percentage Yield (APY)2.50% Minimum to Open$100 Minimum to Earn APY$1,000,000+

 

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1 We’re here to tell ya the minimum balance required to open an account is $1,000 for certificates of deposit (CDs) and $100 for individual retirement accounts (IRAs). There is no minimum balance required to earn interest and APY on CDs, but IRA money markets require a minimum balance of $500. Ope, an early withdrawal penalty may apply. Annual contribution limits apply for IRAs.