Personal Banking Quick Links
Certificates of Deposit and IRAs
Secure Savings with Guaranteed Returns
Secure Savings with Guaranteed Returns
At 21st Century Bank, we’re committed to helping you build a stronger, more secure financial future. Whether you’re planning for retirement, saving for a major milestone like buying a home or funding education, or simply looking for a safe and steady way to grow your money, we offer savings solutions you can count on. Our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) provide guaranteed interest earnings, predictable terms, and the confidence that comes with knowing your funds are protected. With competitive rates, flexible options, and guidance from our experienced team, you can take the next step toward reaching your financial goals—with peace of mind every step of the way.
Certificates of Deposit (CDs)
A Safe, Steady Way to Grow Your Savings
Our CDs offer fixed interest rates and flexible terms, making them a great choice if you’re looking to save with minimal risk. Choose a term that works for you—from a few months to several years—and enjoy guaranteed returns without market volatility.
Benefits of a CD with 21st Century Bank:
- Competitive, fixed interest rates
- Flexible term lengths to match your savings goals
- FDIC insured up to applicable limits
- Automatic renewal options available
- A smart alternative to traditional savings accounts
CDs are ideal for customers who don’t need immediate access to their funds and want the security of a predictable return.
For current rates on both CDs and IRAs, contact us at a location nearest you.Â
Individual Retirement Accounts (IRAs)
Plan for Retirement—With Confidence
Saving for retirement is one of the most important financial goals you can have—and we’re here to make it easier. Our IRA options help you prepare for the future with tax advantages and dependable growth.
We offer both:
- Traditional IRAs – Contribute pre-tax dollars and potentially reduce your taxable income today. Earnings grow tax-deferred until withdrawal.
- Roth IRAs – Contribute after-tax dollars and enjoy tax-free growth and withdrawals in retirement, subject to IRS rules.
Why open an IRA with us?
- Competitive IRA CD rates
- Secure, FDIC-insured savings
- Guidance from experienced local bankers
- Simple rollover options from other retirement accounts
Whether you’re just getting started or rolling over an existing plan, we’ll help you choose the right IRA to meet your retirement goals.
Let’s Talk About Your Savings Strategy
Not sure which account is right for you? Our experienced bankers are here to guide you. We’ll take the time to understand your goals and recommend the right savings options to fit your needs and timeline.
Stop by one of our locations or contact us to get started today.