CDs & IRAs

Certificates of Deposit (CDs)

It's always a wise investment when you choose one of our Certificates of Deposit. If you can leave your savings alone for a specific period of time, a Certificate of Deposit (CD) could be the right choice for you. They pay competitive rates and are easy to set up.

 

  • All certificates can be opened with just $500 (only $250 for minors)
  • Offered at terms from 3 to 60 months
  • Interest compounds daily and is posted monthly to your certificate or savings account

 

Ascentra and Non-Ascentra Members

 

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Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are great tools to help you stockpile your money, all the while earning great dividends. We offer both Traditional IRAs and Roth IRAs. Certificates of Deposit IRAs can be opened with just $500 with terms 12-60 months - yeah baby! Savings account IRAs are also available with our IRA Saver product. You may deposit funds at any time, up to the IRS limits. No minimum balance required. 

Traditional IRA

With a Traditional IRA, deposits, or contributions, are tax-deductible. So you pay less income tax in the year contributions are made. Your earnings always grow tax-deferred which means taxes are only paid when the money is withdrawn from the IRA.

Roth IRA

With a Roth IRA, contributions are nondeductible and taxed in the year they are earned. The Roth IRA features tax-free withdrawals for certain distribution reasons after a five-year holding period.

To open an IRA:

Call us at (563) 355-0152 or (800) 426-5241, ext. 1
Stop in to any of our convenient locations as we would love to see you!


  • CDs

    Certificate Term Dividend Rate Annual Percentage Yield
     91 Days 0.15% 0.15% APY
     6 Months 0.30% 0.30% APY 
     12 Months 0.45% 0.45% APY
     18 Months 0.55% 0.55% APY
     24 Months 0.60%  0.60% APY
     30 Months 0.65% 0.65% APY
     36 Months 0.75% 0.75% APY
     48 Months 0.80% 0.80% APY
     60 months 0.90% 0.90% APY

    Minimum deposit for most terms is $500. Penalty for early withdrawal. 

    IRA Certificates of Deposit are available at the same interest rates as our regular Certificates of Deposits. Certificates may be designated traditional or Roth IRAs. 91 days and 6 months terms not available for IRA Certificates of Deposits. Other restrictions and requirements may apply. Rates subject to change. 



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