Secure Your Future with Guaranteed Growth
At Golden Bank, we understand the importance of saving with confidence. Whether you’re planning for short-term needs or building retirement wealth, our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) provide competitive rates, predictable returns, and peace of mind with FDIC insurance.
Certificates of Deposit (CDs)
Grow your savings with fixed, reliable earnings — backed by the security of FDIC insurance and the confidence of a locked-in rate.
- Competitive Fixed Rates – Lock in a guaranteed interest rate for the entire term.
- Low Minimum Deposit – Open a CD with as little as $1,500.
- Safe & Secure – Backed by FDIC insurance up to the legal limit.
- Convenient Renewal Options – Automatically renew at maturity or choose fixed maturity.
Benefits of a CD:
- Higher returns than traditional savings accounts
- No market risk – principal is protected
- Clear, predictable growth
If you need FDIC insurance on large deposits beyond standard limits, Golden Bank also offers CDARS — a nationwide deposit placement program that provides expanded FDIC coverage through a single banking relationship.
Individual Retirement Accounts (IRAs)
Build your retirement savings with tax advantages.
Golden Bank offers IRA CDs that combine the security of fixed-rate CDs with the long-term benefits of a retirement account.
- Traditional IRA – Contribute pre-tax dollars and defer taxes on earnings until withdrawal.
- Roth IRA – Contribute after-tax dollars and enjoy tax-free growth and qualified withdrawals.
- IRA CD Options – Fixed terms and rates provide safety and reliability for retirement planning.
IRA Highlights:
- Competitive fixed interest rates
- Contribution flexibility (subject to IRS limits)
- Secure retirement savings vehicle
- FDIC insured up to applicable limits