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CDs & IRAs

We want to help you meet your long-term savings goals with our fixed rate Certificates of Deposits and IRAs. Choose the term that works best with your goals and come in to see one of our friendly customer service representatives to get started.

Min. Opening Amount Interest Calculated Penalty
IRA 18 Months ^ $250.00 Daily 3 Months
3 Months $5,000.00 Daily 1 Month
6 Months $5,000.00 Daily 1 Month
1 Year $1,000.00 Daily 1 Month
2 Years/2 Yr IRA $2,500.00 Daily 3 Months
3 Years/3 Yr IRA $2,500.00 Daily 3 Months
4 Years/4 Yr IRA $2,500.00 Daily 3 Months
5 Years/5 Yr IRA $2,500.00 Daily 3 Months

^ Variable rate account. Rates may change after account is opened. IRA accounts 2 year or longer are fixed rate accounts.
*Early withdrawal penalty may apply. Penalty may be waived on IRA's when account holder reaches 59.5 years of age. Fees may reduce your earnings.
You will receive a 7-day grace period after the maturity date for all CDs and IRAs.

View Current Rates


Requirements Needed to Open an Account

  • Driver's license or picture ID showing current address for Toombs or surrounding counties
  • The required minimum deposit
  • You must pass credit and identity verification

REG D requirements

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Visit our Frequently Asked Questions page, contact us, or drop by either of our convenient locations.

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