CDs, CDARS & IRAs

A CD gives it a defined place and a known return over a set period.

• Fixed interest rate for the full term
• A range of term options available
• FDIC insured up to standard limits
• Often offer higher rates than standard savings accounts

Once the term ends, funds can be withdrawn or rolled into a new CD.

Simple. Predictable. No guesswork.

CDARS allows funds to be spread across a network of banks, extending FDIC insurance coverage beyond standard limits.

• Expanded FDIC coverage across participating institutions
• One bank relationship to manage
• Consolidated reporting
• No need to open multiple accounts

We see you wanting to keep larger balances protected without making things more complicated.

IRAs are designed to help with that, offering ways to grow savings with potential tax advantages depending on the type.

Available options may include:

• Traditional IRA – Potential tax-deferred growth
• Roth IRA – Tax-free withdrawals inretirement, ifqualifications are met
• SEP IRA – Designed for self-employed individuals and small businesses

IRA CDs combine the stability of a CD with the structure of an IRA.