CDs & Retirement Accounts

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With a variety of Certificates of Deposit (CDs) available, we can help you earn a competitive rate while maximizing both security and flexibility.

Term CDs

 

  • Standard terms of 24 months, 36 months, or 48 months
  • Interest rate tiers are based on account balances
  • A minimum opening deposit of $500 is required for terms less than 60 months
  • A minimum opening deposit of $5,000 is required for terms 60 months or greater
  • Early withdrawals will be subject to a penalty

 

Flex CD Plans

  • Allow additional deposits during the majority of the term
  • You may make unlimited deposits, minimum of $250 each, up until 14 calendar days prior to maturity date, or until the balance of your account reaches $300,000
  • Terms of 30 days, 3 months, 6 months, or 12 months
  • A minimum opening deposit of $10,000 is required for CDs with a 30 day term
  • A minimum opening deposit of $500 is required for terms greater than 30 days
  • Interest rate tiers are based upon the opening account balance
  • Flex CD plans vary and may not be offered at all times or at all locations
  • Early withdrawals will be subject to a penalty

Other CD Plans and Specials

  • Various other terms may be available from 1 month to 60 months
  • Minimum balance and interest rates vary
  • $5,000 minimum balance on 60 month term
  • Early withdrawals will be subject to a penalty

Individual Retirement Accounts


Traditional IRA

A Traditional IRA is a certificate of deposit that may give you tax advantages to prepare for retirement. You will only pay taxes on your investment gains when you make withdrawals in retirement. You can invest in a traditional IRA no matter how much money you make, however a minimum deposit of $100 is required. Please consult with your Tax Adviser for detailed assistance on all IRAs.

Roth IRA

A Roth IRA is a certificate of deposit like a traditional IRA. Contributions to a Roth IRA are not tax deductible while contributions to a traditional IRA may be. However, while distributions (including earnings) from a traditional IRA are taxable, the distributions from a Roth IRA are not taxable. For both IRA types – traditional and Roth – earnings grow tax deferred. Please consult with your Tax Adviser for detailed assistance on all IRAs.

 

 

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