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Certificates of Deposit & IRAs

Certificate of Deposit**

Earn more money on your investment with a Certificate Account. Certificates are offered in terms for 31 days to 5 years.  Interest may be transferred to a Checking or Savings account, automatically mailed to you in a monthly check or reinvested back into the Certificate.  A minimum deposit of $500 is required to open any certificate account.

Individual Retirement Account (IRA)**

An Individual Retirement Account is a great way to save money and supplement your retirement income.  IRSs offer tax advantages that can help you now or later.  IRAs are offered in terms from 1 - 5 years.  Anyone 18 - 70 1/2 with earned income can open an IRA.

We offer three types of IRAs: Traditional, Roth and SEPA.  Each retirement account offers different tax options and contribution lines.  Please check  with your personal tax advisor for contribution, deductibility and withdrawal guidelines.

For more information about opening your Certificate of Deposit or IRA, please call the bank at 205-391-6700.

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**Interest accrued on collected balance

**Principal withdrawal on Certificates of Deposit and IRAs prior to maturity will result in a penalty of 31 days interest for CDs and IRs with a term up to 89 days.  All other CDs and IRAs will result in a penalty of 90 days interest.