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CDs & IRA

Grow Your Savings with a CD or IRA

Choose from a Certificate of Deposit or Traditional IRA for secure, tax-advantaged growth tailored to your financial goals. 

Certificate of Deposit (CDs)

Earn competitive interest rates while keeping your savings safe and accessible at maturity.

  • $500 minimum balance to open

  • Interest-Bearing Account

  • Terms from 3, 6, 12, 18, 24, 36 and 60 months

  • Rates are subject to change at any time

  • Penalty may apply for early withdrawal prior to maturity

  • Transaction Limitations: Any additional deposits into your CD Account before maturity will not be permitted


Traditional Individual Retirement Account (IRA)

Save for a comfortable retirement with a Traditional IRA CD, offering tax-deferred growth and potential tax deductions that may lower your taxable income.

  • $500 minimum balance to open

  • Interest-Bearing Account

  • Terms from 3, 6, 12, 18, 24, 36 and 60 months

  • Interest will be paid at maturity

  • A penalty may be applied for early withdrawals

  • IRA Money is insured by the FDIC separately from other deposits

 

For more details, please contact Universal Banker or visit one of our branches.










* Fee may reduce earnings on the account. Rates are subject to change at any time.

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