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CDs/IRAs

Certificate of Deposit

Our Certificate of Deposit offers you a range of investment options. We have maturity dates ranging from 91 days to 48 months, with options on how and when you want your interest paid. A $1,000.00 minimum is required to purchase a CD. A penalty may be imposed for early withdrawals.

  • Competitive rates with FDIC insurance coverage 
  • Fixed interest rate until maturity 
  • Interest penalty if cashed before maturity 
  • Automatic renewal at maturity, with a 10 day grace period to re-invest 
  • $1000 minimum deposit required 

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Individual Retirement Account

An Individual Retirement Account can get you started saving for your retirement. Talk to your tax advisor and Stop in and let us set one up for you! These CDs are 24 month investments with interest compounding quarterly. FDIC insured up to $250,000.

Traditional IRAs

The IRA owner must have earned income and be under age 70½ to make contributions.

  • Contributions may be tax-deductible.
  • Earnings grow tax deferred.
  • Distributions generally are taxable.
  • Distributions before age 59½ are subject to penalty tax, unless an early distribution penalty tax exception applies.
  • Required minimum distributions must begin at age 70½.
Roth IRAs

  • Contributions are not tax-deductible.
  • Contributions generally can be distributed tax free at any time.
  • Earnings grow tax deferred.
  • Earnings can be distributed tax free if the Roth IRA owner first made a Roth IRA contribution at least five years ago, AND is age 59½ or older, disabled, deceased, or qualifies as a first-time homebuyer.
  • Distributions are not required until after the Roth IRA owner dies.

Retirement Calculator


If you have questions about our IRAs, please contact Connie Mainquist for more information.