CDs & IRAs


Certificates of Deposit

  • Invest in a standard certificate of deposit with as little as $1,000
  • Terms range from 3 months to 60 months
  • Competitive interest rates and CD specials offered periodically
  • Automatically renewable
  • Interest rate may be compounded or paid directly to checking/savings

Individual Retirement Accounts

We offer the following types of IRA’s that can be invested in certificates of deposits with terms from 1 to 5 years:

  • Traditional - special tax deferred savings plan authorized by the Federal Government to encourage you to accumulate money for retirement.
  • Roth - participants are able to make annual non-deductible contributions, earnings can be tax free.
  • SEP - “Simplified Employee Pension” is a retirement plan that an employer or self-employed individual can establish.
  • Coverdell Educational Savings Account - an ideal way to begin savings for a child, grandchild or any young person to pay for higher education.


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