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CDs & IRAs

Certificate of Deposit (CD)

For those looking to grow their savings, a Farmers Trust CD is a good choice. A CD is an FDIC-insured investment option where money is put into an account that is not used for a period of time. This allows you to earn interest at a predetermined rate which tends to be higher than most other types of accounts.

Individual Retirement Account (IRA)

As you plan for retirement, many people consider additional savings vehicles outside of their 401(k), such as an IRA. In fact, an IRA is one of the most viable ways to help assure a secure retirement. Farmers Trust offers Traditional and Roth IRAs, as well as Education Savings Accounts.

Certificates of Deposit Individual Retirement Accounts
Overview Make the most of your money. From 30 days to 5 years, our CDs offer guaranteed rates. FDIC-Insured safety and the peace of mind only money in the bank can bring. Lock in your savings with higher rates for larger balances. Periodic Special offers may be available. Secure your retirement or education needs with an FDIC-Insured IRA. Multiple IRA options (see features below) give you the ability to grow earnings tax-deferred or tax-free. Our flexible IRAs enable you to make recurring or one-time contributions. 
Minimum to Open/Balance Tier
$1,000 minimum to open
Balance Tiers:
$1,000 - $4,999
$5,000 - $19,999
$20,000 or greater
Deposits One time at account opening Multiple
Interest Fixed Rate.
Paid by compounding, check or transfer to another FTSB deposit account.
Paid by compounding.
Term 3, 6, 12, 18, 30 or 60 months
Specific maturities available at customer request
18 months 
Features Interest rates fixed for Term of Certificate.
Automatically renewable.
Variable rates may change monthly,
Automatically renewable

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Traditional IRA

Tax deductible contributions and tax deferred earnings.

Roth IRA

After tax contributions and tax free earnings.

Coverdale Education Savings Account

After tax contributions and tax free earnings for qualified beneficiary education expenses.
For full details, please download our Savings & Investment Brochure.