CDs & IRAs

CDs & IRAs: Insured certainty. High yields. Many options.

Ideal for building your nest egg with guaranteed yields, our CDs and IRAs have many different terms, with the peace of mind from FDIC insurance protection. Our bankers can work with you create a strategy that will help you reach your financial objectives.

Traditional fixed rate CDs

Guaranteed return on your money with peace of mind that comes with FDIC-insured safety.

  • Flexible terms to fit your goals — from 91 days to five years
  • Opening balances as low as $50, depending on the term
  • Competitive interest rates for the highest earnings
  • FDIC insured so your money is certain to grow
  • Some CD types are available to open online

3-Year Options CD

Enjoy a high yield on this versatile CD that lets you bump up the rate and add money to the balance whenever you like.

  • Only $1,000 to open
  • If interest rates rise, increase to a higher rate once during your term
  • Add to the CD - $500 or more at anytime and as often as you like up to a maximum of $250,000

Individual Retirement Accounts (IRA)

CDs at One Community Bank can be an excellent addition to your IRA strategy. When the market rises and falls on other investments, CDs are steady, growing at a pace you can count on.

  • No minimum balance to open, start saving today and add money whenever you can
  • Roth IRAs — tax-advantaged option with tax-free withdrawals at retirement*
  • Interest rates vary — terms from 91 days to five years

Start Small CD

Begin the discipline of saving regularly by opening the Start Small CD with just $25. You can add money anytime, knowing your competitive rate is guaranteed.

Jumbo CDs and CDARS

Our Jumbo CDs can be an exceptional choice for earning interest without the volatility of the stock market. CDARS is another option if you have more than $250,000 in deposits. Your funds are fully FDIC insured, even if you have a multimillion-dollar portfolio. And you can skip the hassle of opening multiple accounts at different banks.

A banker will be happy to talk with you about your long-term retirement goals. Putting you first… at One Community Bank.