Certificates of Deposit and Individual Retirement Accounts
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Flexibility, Growth and Returns

Certificates of Deposit (CD)*

A Certificate of Deposit (CD) is a fixed term, interest bearing account. Unlike many other investments, a CD is insured by the Federal Deposit Insurance Corporation (FDIC) up to current limits. Our competitive rates boost your savings potential. Consult your local branch for current rates.

Individual Retirement Accounts (IRA)

Our Individual Retirement Accounts (IRAs) allow you to affordably save for retirement. A higher rate of interest and the safety of FDIC insurance make our IRAs an ideal retirement savings option. Significant tax advantages** can further boost your savings. In addition to the accounts listed below, all renewable CD options and most CD promotions. are also available as IRAs. On all CDs, penalties may apply for early withdrawal and IRAs are subject to possible tax penalties for withdrawal prior to age 59 ½.** Consult your local branch for current rates.

* On all CDs, penalties may apply for early withdrawal of funds

** Always consult a tax professional to determine how the tax benefits and possible tax penalties may affect you

One relationship, one rate, one statement

Introducing CDARS, a simple and secure way to invest and FDIC-insure deposits of $100,000 or more. We take care of all the details so your funds can go to work in a safe place and you can breathe easy.

Ready for your peace of mind? Call us at 1-208-771-0080

To learn more about CDARS, go to http://www.cdars.com/.