Personal Banking

CDs & IRAs

Flexible maturity dates AND guaranteed returns!
By letting you choose your own maturity date, from 6 months to 5 years, St. Mary's CDs and IRAs are a smart way to earn on investments without restricting your financial plan. And you can save on taxes-earnings on IRAs are tax deferred and in some cases contributions are tax deductible.

IRA: A great choice at any stage
An IRA is an easy and inexpensive investment option.  You can grow your savings quickly, with minimal risk.  Here’s a quick overview of the facts:

    • You can open an IRA with as little as $500. We can even help you convert a 401(k) to an IRA
    • Your investment’s earnings compound tax-deferred*
    • You choose how to invest the money, based on your time horizon for retirement.  We offer CDs, as well as investments with higher growth potential.

Roth IRA vs. Traditional IRA
There’s an IRA for everyone.  Depending upon your personal financial situation, you may prefer the tax deductible contributions of a Traditional IRA or the withdrawal flexibility of the Roth IRA. Our specialists can help you invest according to your needs.

Open your IRA today
The sooner you open an IRA, the faster savings will accumulate. Click here to open an IRA.