Certificate of Deposit (CD)

We like to think of CDs as a solid investment that can provide you with the stability you need.

Investing in CDs is always a safe bet. FDIC insurance and fixed rates ensure that you get a guaranteed return on your investment so you can afford to invest in other ways if you choose. We offer a wide variety of terms to suit your needs. Start building your savings today with a sure thing. Talk to one of our friendly staff about a CD today!

  • Guaranteed fixed rate of return
  • No maintenance fees
  • Terms from 3 months to 5 years
  • Panalties apply for early withdrawal
  • $500 minimum deposit to open*
  • Automatic renewal**

View our current Certificate of Deposit Rates

*Excludes promotional CDs
**Renews at interest rate in effect at time of maturity. CD customers have ten days to redeem before it is automatically locked in for the remainder of the new term.



Individual Retirement Account (IRA)

It pays to plan ahead. There are so many things to consider when thinking about your retirement. We can help you get the retirement you want. Our personal bankers can share with you how an IRA can be an essential part of your retirement. These tax advantaged accounts can help you save for the future. Let our knowledgeable staff tell you more about these accounts to help you set up the account that's right for you.

Traditional IRA – Anyone with income and under the age of 70½, can open a traditional IRA.

  • Contributions are tax deductible*
  • Interest earnings are tax deferred
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals begin at age 70½
  • $10 minimum to open
  • No maintenance fees
  • FDIC insured

*Consult with your tax advisor.
** Certain exceptions apply, such as healthcare, purchasing first home, and others.


Roth IRA – The Roth IRA is a fantastic retirement investment option that if used correctly can result in a tax-free retirement. You must earn less than $111,000 to fully contribute to a Roth IRA ($173,000 for married couples).

  • Contributions are not tax deductible
  • Earnings are 100% tax free upon withdrawal
  • Direct contributions can be withdrawn free of penalty at any time*
  • Interest withdrawals are penalty free beginning at age 59½
  • Early interest withdrawals subject to penalty**
  • No mandatory withdrawals at age 70½
  • $10 minimum to open
  • No maintenance fees
  • FDIC insured

*Consult with your tax advisor.
** Certain exceptions apply, such as healthcare, purchasing first home, and others.


The Coverdell Education Savings Account (formerly called Education IRA) provides tax-free earnings when the funds are used for a child's education expenses, such as college.

  • Interest grows tax free
  • Withdrawals are tax free when used for qualified education expenses*
  • Contributions are not tax deductible
  • No income restrictions or limits to open
  • Beneficiary must be under 18 at time of opening
  • Beneficiary does not have to be a relative
  • Mandatory distributions begin if balance remains when beneficiary reaches age 30
  • Maximum annual contribution of $2,000
  • No maintenance fees
  • FDIC insured

*Qualified expenses include tuition and fees, required books, supplies and equipment and qualified expenses for room and board.