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Meet with UsCDs & IRAs
Certificates of deposit give you guaranteed returns with no risk. IRAs bring the peace of mind of a solid retirement plan. Ready to invest in your financial future? We’re ready to help put your hard-earned cash to work.
Fixed Certificates of Deposit
Our risk-free, fixed-rate CDs bring guaranteed returns at competitive interest rates – no matter what happens in the financial markets. Choose from six-month to five-year time periods and watch your assets grow. Features Include:
- Earns interest
- 6- to 60-month terms
- Fully insured1
NEW! Introducing our 5-Month CD Special! In addition to earning 4.00% APY**, this unique CD offers the ability to withdraw your funds from the account one time per term with no penalty. This is especially helpful when life happens fast—your dream home is suddenly available? Your money is, too.
All of our CD Specials, as well as our 6- and 12-Month CDs, can be opened online—visit a branch to open any other CD term.
Individual Retirement Accounts
No matter what you plan to do in your retirement, plan now to keep it free of financial worry by investing in an IRA2. Our IRA accounts come in 6- to 60-month CD terms, fixed and variable rates, and as a savings account.
Traditional IRA
A tried-and-true way to make pre-tax contributions.
Features
- Investments grow tax-deferred
Roth IRA
The best bet if you anticipate a higher tax rate in retirement.
Features
- Tax-free growth
- Tax-free withdrawals in retirement
- No minimum distributions required
Education/Coverdell IRA
Put away money for future college costs with this federally sponsored, tax-free IRA.
Features
- Tax-free investment growth
- Tax-free withdrawals on qualified education expenses
Simplified Employee Pension (SEP) Plan
Set aside money for retirement for yourself or employees.
Features
- Contribute up to 25 percent of pay
IRA CD
This unique option gives you the ability to add funds to your account over time—growing your initial balance—so that you can save even more for retirement.
Features
- 18-month variable term
- Deposits can be added3
1All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000 per depositor, with the excess over $250,000 insured by the DIF.
2Please consult your tax advisor.
3Minimum additional deposit of $100.
Certificate of Deposit Rates**
*Effective as of 3/25/2025
| Program | Term | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY |
|---|---|---|---|
| Fixed Rate CD Special | 5 Month | 4.00% | $2,000.00 |
| Fixed Rate CD | 6 Month | 0.10% | $2,000.00 |
| Fixed Rate CD Special | 11 Month | 3.85% | $2,000.00 |
| 12 Month | 0.15% | $2,000.00 | |
| 18 Month | 3.50% | $2,000.00 | |
| 24 Month | 3.25% | $2,000.00 | |
| 36 Month | 3.25% | $2,000.00 | |
| 48 Month | 3.25% | $2,000.00 | |
| 60 Month | 3.25% | $2,000.00 | |
| IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.) | 18 Month | 3.50% | $10.00 |
**Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000. A penalty will be assessed on funds withdrawn prior to maturity on all CDs—not including the 5-Month CD Special, for which the penalty will be waived on a one-time withdrawal or closure during the term - normal penalty applies thereafter. This is a limited time offer and may be withdrawn at any time.
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