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CDs & IRAs

Maximize your savings with flexible terms and an assured return.

Certificates of Deposit (CDs)

  • Terms ranging from 6 months to 5 years
  • Minimum opening deposit of $500
  • Earn interest your way: add to the value of the certificate, or auto-transfer to another KSB deposit account
  • Free statements, sent annually
  • Automatic renewal

Individual Retirement Accounts* (IRAs)

Set yourself up to enjoy retirement with tax-sheltered CDs or savings.

  • Terms ranging from 1 year to 5 years
  • Minimum opening deposit of $500
  • Available as traditional or Roth IRA
  • Same rates as traditional CDs
Premier IRA Savings
  • Minimum opening deposit of $10
  • Make deposits and withdrawals without concern for maturity dates or grace period days
  • Excellent for automatic transfers into an IRA (for automated retirement saving)
  • Complements IRA CDs; use IRA Savings to hold money until a CD matures, then add to IRA CD

* Consult your tax advisor about your eligibility in the tax deductibility of contributions, distributions, and earnings.
* Tax-deductible up to a maximum of $5,500 per eligible depositor (or $6,500 for depositors 50 years of age or older).
* There is a penalty for withdrawing funds prior to the certificate’s maturity, as well as IRS penalties for IRA withdrawals before age 59 ½; certain exemptions allowed.