CDs, IRAs & HSAs


Button CDs

Certificates of Deposit (CDs)

Button IRAs

Individual Retirement Accounts (IRAs)

Button HSA

Health Savings Accounts (HSAs)

Button Rates

FSB Rates

Certificates of Deposit (CDs)

A safe and secure way to save money, Certificates of Deposit (or CDs) are time deposits that typically earn a higher interest rate on savings for a set period of time.

If you know how long you can invest your money before you need it, this may be the perfect option. We can also help you schedule your maturity date(s) to balance potential market rate changes and make sure you have cash available when you need it.

Our Personal Bankers can assist you in choosing the right option to help you achieve your financial goals.

Contact Us Stop In FSB Rates


Individual Retirement Accounts (IRAs)

An IRA is an excellent way to boost your savings. Which one is right for you?

Traditional IRA

This IRA allows you to receive a tax deduction up-front, so your earnings grow tax deferred.

The details:

  • W-2 earned income (no contributions after age 70 1/2)
  • Future contributions may be tax-deductible depending on filing status, income and other aspects
  • Annual contribution limit of $6,000, additional $1,000 for those age 50 and older

Roth IRA

With a Roth IRA, withdrawals are tax-free when certain conditions are met, which is why this is most commonly used if you don't need a tax deduction up-front.

The details:

  • W-2 earned income (no age limit on contributions)
  • No required minimum distribution at age 70 ½
  • Annual contribution limit of $6,000, additional $1,000 for those age 50 and older

Simple IRAs

The Savings Incentive Match Plan for Employees (SIMPLE) IRA, is a traditional type of IRA that provides business owners a way to offer retirement accounts to their employees. Employers can match a percentage of an employee's total compensation if the employee makes salary deduction contributions. This option is less paperwork and costs less than a traditional 401(k).

The details:

  • Employers must have 100 or fewer employees
  • Employers may contribute on behalf of the employee


Simplified Employee Pension (SEP) IRAs are set up by employer-only contributions, but still allow a self-employed individual to make IRA contributions.

The benefits:

  • Simple and easy setup
  • Taxes are deferred until withdrawn
  • Employers are not required to contribute every year

Please consult your tax advisor regarding deductibility and eligibility.


Our Personal Bankers are here to assist you in helping you achieve your financial goals.

Contact Us Stop In Learn More



Health Savings Accounts (HSAs)

Health Savings Accounts (HSA) are individual accounts used to pay qualified medical expenses for either you or your family.

The details:

  • Earns interest
  • Tax-deductible contributions*
  • Convenient, tax-free withdrawals by check or debit card for qualified medical expenses
  • No “use it or lose it” requirement like most flex benefit plans
  • Contributions are yours to keep if you change jobs or retire

Our Personal Bankers are here to assist you in getting set up.

Contact Us Stop In

* Please consult your tax advisor regarding eligibility.


Everyday saving has never been this easy.

Personal Savings

Please join us for our Customer Appreciation Picnic on Sunday, August 18th at Veterans Memorial Stadium from Noon - 2:30!


Back to Top