• Certificates of Deposit
• Individual Retirement Accounts (IRAs)

Certificates of Deposit

When seeing the bigger financial picture, it’s important to set aside funds for the long term. Peach State Bank & Trust offers a full array of Certificates of Deposit ranging in terms from seven days to five years. A CD is an excellent way to maximize your interest earnings while enjoying the safety and stability they offer. Please be advised, however, that we are required to impose an interest penalty for early withdrawal of a Certificate of Deposit.

Individual Retirement Accounts (IRAs)

An IRA from Peach State Bank & Trust can be the perfect supplement to other pension plans or social security income you anticipate in retirement. We offer both Traditional and Roth IRAs, each featuring different eligibility requirements and tax treatment of your contributions. For example, eligible savers may enjoy tax benefits during their income-producing years with a Traditional IRA, which is taxed at the then-current tax rate upon withdrawal. A Roth IRA, however, is funded with after-tax dollars but grows and is distributed tax-free for qualified savers.

Take a moment today to discuss your eligibility with your tax advisor and then to us to open the appropriate IRA for your specific retirement goals.

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