Certificates of Deposit (CDs) & IRAs
Build your future with secure, fixed-rate Certificates of Deposit and tax-advantaged IRAs. Steady growth, guaranteed returns, and peace of mind—no matter your goals.
Reliable Growth for Your Future
Our CDs and IRAs offer secure ways to grow your savings and prepare for the future—with guaranteed returns and expert guidance every step of the way.
Guaranteed Returns
Lock in a fixed rate and watch your savings grow over time—no surprises.
Tax Advantages
Take advantage of potential tax benefits with Traditional or Roth IRA options.
Flexible Terms
Choose the CD or IRA term that matches your timeline.
FDIC Insured
Your deposits are safe and protected, giving you peace of mind as you save.
Trusted Guidance
Our team is here to help you choose the right path for your financial future.
Compare Account Options
| Certificate of Deposit (CD) | Individual Retirement Accounts (IRAs)4 | |
|---|---|---|
| Best For | Saving with a fixed term and rate | Long-term, tax-advantaged retirement savings |
| Earns Interest1 | Yes (fixed rate) | Yes (fixed or variable) |
| Minimum Opening Balance | $1,000 | Varies |
| Monthly Maintenance Fee | None | None |
| Withdrawals | None (locked in) | Limited based on IRA age as determined by the IRS |
| Access Features | No access until maturity | Restricted access, Online view |
| Penalties | Early withdrawal penalty2 | Possible early withdrawal penalty and IRS early withdrawal penalty3 |
| Unique Benefits | Guaranteed return for set term | Tax-deferred retirement savings |
| See Our Rates | Check Rates | Check Rates |
| Get Started | Contact Us | Contact Us |
1 Interest is paid on your daily ledger balance.
2 Penalty for early withdrawal on Fixed Rate Certificate of Deposit accounts.
3 Penalty may be imposed by the bank and the IRS for premature distributions of IRA CDs. Variable Rate IRA interest rates are adjusted quarterly. Traditional IRA contributions may be tax deductible. Please consult your tax advisor for more information. Maximum annual contribution limits regulated by law. Tax-advantaged growth available to qualified individuals.
4. Traditional IRA contributions may be tax deductible. Maximum annual contributions limits regulated by law. Tax-advantage growth is available to qualified individuals. Consult your tax advisor regarding your specific situation.
Smart Tools for Long-Term Saving
Online Banking
Easily view your CD and IRA balances, track maturity dates, and manage your accounts securely from anywhere.
Mobile Banking
Keep an eye on your long-term savings while on the go. Access your accounts, view activity, and stay informed—anytime, anywhere.
Personal Financial Manager
See how your CDs and IRAs fit into the bigger picture. Set goals, plan ahead, and stay organized with this easy-to-use budgeting tool.
Fraud Protection
Your future deserves protection. Get alerts, control access, and safeguard your CD and IRA accounts with enhanced security tools.
Market Report: November 2026
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