Individual Retirement Account (IRA) CDs
Secure Your Retirement with IRA CDs
Maximize Your Retirement Savings with Trusted IRA CD Options
At State Savings Bank, we help you build a financially secure future with high-yield IRA Certificates of Deposit tailored to your retirement goals. Whether you're just starting or rolling over an existing plan, our Traditional IRA and Roth IRA CD accounts offer competitive returns and the security you need.
Traditional IRA CD Accounts
Tax-Deferred Growth with Flexible Contribution Options
A Traditional IRA CD from State Savings Bank allows you to grow your savings with tax-deferred interest. If you're aged 50 or older, you can take advantage of catch-up contributions, potentially exceeding standard annual contribution limits. Whether you're opening a new retirement plan or transferring an existing one, our banking experts will guide you every step of the way.
Roth IRA CD Accounts
Tax-Free IRA Withdrawals for a More Flexible Retirement
With a Roth IRA CD, your contributions are not tax-deductible, but your qualified withdrawals—including earnings—can be completely tax-free. After a five-year holding period and meeting certain conditions, enjoy the benefits of tax-free growth and flexible retirement planning.
IntraFi Network Deposits Program
FDIC Insurance Coverage Up to $25 Million with Community Impact
State Savings Bank proudly participates in the IntraFi Network Deposits program, offering a powerful solution for high-balance savers. Your funds are automatically placed into FDIC-insured CDs across a nationwide network of banks, while still being available for local community lending.
Benefits of the IntraFi Network Deposits Program:
- FDIC insurance up to $25,000,000
- One banking relationship, one statement
- CD-level returns with simplified record keeping
- Secure, convenient, and community-focused investing
Open a CD with State Savings Bank Today
Your retirement deserves the best. With competitive CD rates, maximum FDIC protection, and personalized service, State Savings Bank is your trusted bank partner in building a secure financial future. Discover additional CD options, including our Traditional CDs and Health Savings Account (HSA) CDs.
