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CDs and IRAs

Certificates of Deposit and Individual Retirement Accounts are great ways to save your money while putting it to work and earning you more.

Certificates of Deposit (CDs)

Looking for investments with secure, guaranteed returns? Our Certificates of Deposit let you choose the terms, from 91 days to 5 years, with fixed interest rates based upon the rate at the time of purchase. Your interest can be paid monthly, quarterly, or annually. Automatically renewing CD's allow a 10-day grace period after the maturity date for withdrawals, additions to the CD, or changes in term without penalty.

Individual Retirement Accounts (IRAs)

Traditional IRA

Individual Retirement Account that allows individuals to make annual contributions up to a set maximum dollar amount.  Contributions may be tax deductible depending on the taxpayer’s income, tax filing status and coverage by an employer-sponsored retirement plan.

Roth IRA

Individual Retirement Account that allows individuals to make annual contributions up to a set maximum dollar amount.  Contributions are not tax deductible, but withdrawals of principal and earnings are tax-free when certain conditions are met.   

Coverdell Education Savings Account (CESA)

Educational savings account established for the benefit of a child up to the age of 18 years old.  Annual contributions up to a set maximum dollar amount are allowed.  Earnings on contributions accumulate tax-free if used for qualified educational expenses.