Effective date: May 1, 2024

ProductDurationInterest RateMinimum Opening DepositAnnual Percentage Yield
30 Day
Certificates
30 days0.20%$2,5000.20%
90 Day
Certificates
90-179 days0.20%$2,5000.20%
180 Day
Certificates
180-364 days0.35%$2,5000.35%
1 Year Variable Rate IRA Savings1 year0.45%$500.45%
9 Month Certificates**5.01%$10,0005.01%
1 Year
Certificates and IRA
12-17 months0.45%$500*0.45%
24 Month
Certificates and IRA
-0.50%$500*0.50%
36 Month
Certificates and IRA
-0.62%$500*0.62%
48 Month
Certificates and IRA
-0.65%$500*0.65%
60 Month
Certificates and IRA
-0.70%$500*0.70%

Product: 30 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 30 days
  • 0.20%
  • $2,500
  • 0.20%

Product: 90 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 90-179 days
  • 0.20%
  • $2,500
  • 0.20%

Product: 180 Day
Certificates

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 180-364 days
  • 0.35%
  • $2,500
  • 0.35%

Product: 1 Year Variable Rate IRA Savings

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 1 year
  • 0.45%
  • $50
  • 0.45%

Product: 9 Month Certificates**

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 5.01%
  • $10,000
  • 5.01%

Product: 1 Year
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • 12-17 months
  • 0.45%
  • $500
  • *0.45%

Product: 24 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.50%
  • $500
  • *0.50%

Product: 36 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.62%
  • $500
  • *0.62%

Product: 48 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.65%
  • $500
  • *0.65%

Product: 60 Month
Certificates and IRA

  • Duration
  • Interest Rate
  • Minimum Opening Deposit
  • Annual Percentage Yield
  • -
  • 0.70%
  • $500
  • *0.70%

Penalty for early withdrawal
*APY for CDs one year or more are based on quarterly interest

**APY shown valid only on new money not currently on deposit with 1st National Bank of Scotia. At maturity, the CD will revert to a six month certificate of deposit.