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CDs & Retirement Accounts


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Set your goals and start saving today

With a variety of Certificates of Deposit (CDs) available, we can help you earn a competitive rate while maximizing both security and flexibility.

Term CDs

Our Term CDs offer standard terms of 24 month, 36 month, or 48 months. 

Interest rate tiers are based on account balances:
  • Up to $24,999.99
  • $25,000 - $99,999.99
  • $100,000 and up
A minimum opening deposit of $500.00 is required for terms less than 60 months and $5,000.00 for terms 60 months or greater is required to open this account.

Although allowed, early withdrawals will be subject to a penalty.

Flex CD Plans

Our Flex CDs allow additional deposits during the majority of the term of the CD.

You may make unlimited deposits, minimum of $250 each, up until 14 calendar days prior to maturity date, or until the balance of your account reaches $100,000.00.

We also offer Flex CDs with terms of 30 day*, 3 month**, 6 month**, 12 month**, or 12 month variable rate**.
*A $10,000.00 minimum opening deposit is required on CDs with a 30 day term.
**A minimum opening deposit of $500.00 is required on all CDs with terms greater than 30 days.

Interest rate tiers are based on account balances:
  • Up to $24,999.99
  • $25,000 - $99,999.99
  • $100,000 and up 

Flex CD plans vary and may not be offered at all times or at all locations.

Although allowed, early withdrawals will be subject to a penalty.

Other CD Plans and Specials 

  • Various other terms may be available from 1 month to 60 months
  • Minimum balance and interest rates vary
  • $5000.00 minimum balance on 60 month

Although allowed, early withdrawals will be subject to a penalty.

Want to find out how much interest you can earn on a CD? Take a look at our Certificate of Deposit Calculator!

Individual Retirement Accounts(IRAs)

We offer various IRA accounts to help reach your retirement goals. For more information on the types of IRAs offered, stop by your local Stockman Bank.

SEP IRA

A SEP IRA* is a Simplified Employee Pension plan. A SEP provides employers a simplified method to make contributions toward their employees’ retirement and their own retirement. Contributions are made directly to an IRA set up for each employee (a SEP-IRA).

SIMPLE IRA

A SIMPLE IRA* plan is a Savings Incentive Match Plan for Employees. It gives small employers a simplified method to make contributions toward their employees’ retirement. Under a SIMPLE IRA plan, employees may choose to make salary reduction contribution and the employer makes matching or non-elective contributions.

Take a look at our Retirement Calculators

*Please consult with your Tax Advisor for detailed assistance on all IRAs.