Personal Banking | CDs & IRAs

 

CDs & IRAs

Certificates of Deposit

We offer a variety of Certificates of Deposits terms, ranging from 91 days to 84 months. The minimum amount to open a regular CD is $1,000. You can deposit additional money into your CD at maturity. We also have CD Specials, which are offered for a limited time. Check with us for details!    

 

See Rate Schedule and Disclosures for additional account information.

 

Retirement Accounts

Investing in an Individual Retirement Account is a safe way to begin retirement planning. Choose from a traditional IRA, Roth IRA or a Simplified Employee Pension Plan (SEP), which are all FDIC insured, tax deferred plans.

Individual Retirement Accounts range in term from 91 days to 84 months. We offer the 18-month plan with either a fixed or variable rate. Other terms have a fixed interest rate. The minimum opening deposit and balance requirement for Regular IRAs is $1,000 and $5,000 for a Special IRAs. If the balance falls below the balance requirement during the calendar year, a fee of $27.50 will be charged. A low minimum deposit allows you to build your account by making a deposit or transferring funds on a regular basis from your checking or savings account. The fee for a paper statement is $1.97.

See Rate Schedule and Disclosures for additional account information.









 


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