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CDs and IRAs

Unlock tomorrow’s potential today.

Invest in Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) today. Secure growth, flexible terms, and a future filled with possibilities.

Certificates of Deposit (CDs)

Invest with confidence and maximize your savings with our flexible CD options. Choose from various terms to find the perfect fit for your financial goals. Whether you’re saving for a short-term objective or planning for the long run, our CDs offer competitive rates and a secure way to grow your money.

CD Terms Available (Minimum Deposit of $1,000):

3 Months | 0.10% APY1

6 Months | 5.00% APY1

12 Months | 5.30% APY1

18 Months | 4.85% APY1

24 Months | 4.80% APY1

36 Months | 4.25% APY1

48 Months | 4.25% APY1

60 Months | 4.00% APY1

120 Months | 3.75% APY1

Early Withdrawal Penalty

  • 3 Month CD – 30 Day Interest Penalty
  • 6-12 Month CD – 3 Month Interest Penalty
  • 18-60 Month CD – 6 Month Interest Penalty


CD APY (Annual Percentage Yield) is accurate as of 10/27/23. Minimum opening balance of $1,000 is required. A penalty will be imposed for early withdrawal of CD products. Fees could reduce earnings on the account. Limited time offer. Rates apply to new deposits only.

Features & Benefits:

  • Fixed interest rates for guaranteed returns
  • FDIC insured up to $250,000
  • No monthly maintenance fees
  • Flexible Terms

Individual Retirement Accounts (IRAs)

Prepare for your future with an IRA that aligns with your retirement goals. With a minimum deposit of $1,000, our IRAs offer flexible terms to ensure you have a tailored plan that suits your unique needs.

Minimum Deposit


IRA Terms Available:

6 Months

12 Months

18 Months

24 Months

36 Months

48 Months

60 Months

Must be 59-1/2 to avoid early withdrawal penalty.
Required Minimum Distributions (RMD) – No Penalty

Early Withdrawal Penalty

  • 6-12 month IRA – 3 Month Interest Penalty
  • 18-60 Month IRA – 6 Month Interest Penalty

Early withdrawal penalties apply to all other withdrawal requests.



in addition to Regent Bank retirement account penalties & tax consequences, the IRS imposes a 10% penalty on most withdrawals from IRA accounts before the age of 59-1/2

Features & Benefits:

  • Make use of tax advantages
  • FDIC insured up to $250,000
  • No monthly maintenance fees
  • Long-term savings