CDs & IRAs
Certificates of Deposit (CDs) allow you to save for a specific time period, up to 5 years. If you do not need access to money right away, a CD is a great choice.
Certificates of Deposit
Open a 1 Year TCD Account Open a 3 Year TCD Account
Earn fixed higher yields over a specified term with our competitive interest rates. Enjoy stable financial growth without market fluctuation.
- No annual fee
- Terms ranging from 3 months to 5 years
- For our current interest rates click here
- Safe way to save
- One-Time Bump CD available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- Early withdrawal penalties apply
- $250 minimum opening deposit
Traditional IRA
Prepare for retirement by saving in a tax-deferred plan.
- No annual fee
- Terms ranging from 1 year to 5 years
- For our current interest rates click here
- One-Time Bump feature available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- Withdrawals may begin at age 59 ½
- Withdrawals made before age 59 ½ may be subject to IRS penalties
- Distributions must begin by age 70 ½
- Limited annual contributions, per IRS regulations
- $250 minimum opening deposit
Contact your tax advisor prior to opening an IRA.
Roth IRA
Unlike other IRA contributions, Roth contributions are after-tax investments and growth is tax free.
- No annual fee
- Terms ranging from 1 year to 5 years
- For our current interest rates click here
- Limited annual contributions, per IRS regulations
- One-Time Bump feature available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- $250 minimum opening deposit
Contact your tax advisor prior to opening an IRA.
Educational IRA
The Educational IRA is a nondeductible account that features tax-free withdrawals for a very specific purpose -- a child’s education.
- No annual fee
- Terms ranging from 1 year to 5 years
- For our current interest rates click here
- Annual contributions are limited, per IRS regulations
- One-Time Bump feature available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- $250 minimum opening deposit
Contact your tax advisor prior to opening an IRA.
SEP IRA
Even the smallest businesses can attain a solid retirement plan with a SEP IRA created specifically for the self-employed and small businesses.
- No annual fee
- Terms ranging from 1 year to 5 years
- For our current interest rates click here
- Flexible contribution amounts
- Tax deductible contributions for employer and employees
- One-Time Bump feature available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- $250 minimum opening deposit
Contact your tax advisor prior to opening an IRA.
Simple IRA
Provide your employees access to a tax-advantaged retirement plan where employees (including the employer) can make pre-tax contributions and receive matching employer contributions.
- No annual fee
- Terms ranging from 1 year to 5 years
- For our current interest rates click here
- Deduct contributions you make for your employees as a business expense
- One-Time Bump feature available in 2-year or 3-year terms. Bump up your rate one time to whatever the current bank rate is within the term of the CD
- $250 minimum opening deposit
Contact your tax advisor prior to opening an IRA.