CDs & IRAs

Earn more now. (Play more later.)

Want to earn more on your extra money? Want to make your future even brighter? Then a CD or an IRA could be the way to go. A little bit of planning today can make for a pretty nice amount of money tomorrow. And whether you’re just saving for now or thinking more long-term, we’ve got plenty of options.

Fixed Rate CD

Want your extra money to earn more than your savings account but want to access it in a year or less? A Fixed Rate CD can help you do that. You choose the time and the amount and we help you earn more. Whether it’s 32 days or four years, a Fixed Rate CD helps your money do more.

  • $1,000 Minimum to open
  • Fixed interest rate for guaranteed earnings
  • Available terms from 32 days to 48 months
  • Interest rate based on length of term
  • Two interest payment options available
  • Fees apply for early withdrawal

Second Chance CD

Want to save your money but access part of it later without penalty? Want to combine investments as you mature? Want the option of changing interest rates?

You’ll love the Second Chance CD. During the 20-month term of the account, you can change the rate and make one withdrawal for up to 50% of the original deposit, penalty-free.

  • $1,000 minimum to open
  • Option to change rate once after 6 months
  • Automatically renews
  • One withdrawal allowed (after 6 months)
  • Fees apply for early withdrawal

Two-Step CD

Maybe you’re a more seasoned investor. Maybe you watch the markets. And maybe you like to change the interest rate if rates increase. If you want flexibility with your investing, the Two-Step CD could be the perfect choice. With this account you can change the interest rate without extending the maturity date. It’s flexible, it’s simple, and it earns you more.

  • $1,000 minimum to open
  • 36-month term of maturity
  • Fixed interest rate
  • Option to change the rate twice during the term
  • Automatically renews
  • Fees apply for early withdrawal

IRAs

IRAs are a great way to get tax-free earnings on your investments. They’re also a great way to save for retirement and protect your future. All funds accumulate in a tax-favored account. And since contributions may be tax-deductible, it’s a great way to save for retirement. We offer several types of IRAs, like:

  • Coverdell and Roth: allow more flexibility for your individual goals
  • Traditional SEP IRAs: great for the self-employed and those wanting a tax advantage
  • Fixed and Variable Rate: good for those with specific goals in mind