Boat on Lake McDonald

CDs & Retirement Accounts


white silhouette of a mountain range
 

Set your goals and start saving today! 

Our Certificates of Deposit (CDs) offer a variety of short, intermediate and long term options, including Fixed or Variable Rate CDs. Our Flex CDs allow additional deposits during the majority of the term.

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

We offer Traditional IRAs, Roth IRAs and other IRAs designed to meet your retirement needs.    

Traditional IRA

A Traditional IRA* is a certificate of deposit that may give you tax advantages to prepare for retirement. 

A minimum deposit amount of $100 is required. 

Roth IRA

A Roth IRA* is a certificate of deposit like a traditional IRA. Contributions to a Roth IRA are not tax deductible while contributions to a traditional IRA may be. However, while distributions (including earnings) from a traditional IRA are taxable, the distributions from a Roth IRA are not taxable. For both IRA types – traditional and Roth – earnings grow tax deferred.

Please see our Retirement Calculators to help you make a difference in your retirement savings. 

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