CDs & IRAs
Certificates of Deposit
There's new interest in our Guaranteed CD. Our 20 month CD is guaranteed to renew at the original rate for another 20 months - even if rates drop. And, if rates increase, you automatically get the higher rate.
We also offer a full line of standard CDs from 3 months to 5 years. Visit the rate page for more information. Our CDs are always in your best interest.
Traditional IRA
With a traditional IRA, contributions may be tax deductible. Your earnings are tax deferred until you begin withdrawing funds, as early as age 59½.
Roth IRA
Unlike a traditional IRA, your contributions to a Roth IRA are not tax deductible. However, your earnings are tax-free when you begin making withdrawals.
Open your account at any one of our locations.
Expanded FDIC Insurance
CDARS* is the Certificate of Deposit Account Registry Service®. It’s the convenient way to have FDIC insurance on all your deposits. Even with the increased FDIC coverage, you may need CDARs.
- One Bank – everything is handled through our Bank. Your deposits are broken into smaller amounts. FDIC-insured banks that are members of a special network issue CDs in lower amounts so that your entire investment is eligible for FDIC insurance.
- One Rate – earn one rate on your investment. Although one large CD may be divided into smaller CDs, they will all earn the same rate.
One Statement – receive one regular account statement listing all of your CDs, along with issuing banks, maturity dates, interest earned and other details. With CDARS*, all tracking is done for you.
*CDARS: Funds may be submitted for placement only after a depositor has signed a Deposit Placement Agreement with a member bank. This agreement contains important information and conditions regarding the placement of funds by a member bank. CDARS is a service mark of Promontory International Network, LLC.