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CDs/IRAs

At Isabella Bank, we can help you plan for the future by chosing a program that is designed to meet your goals.  For additional information about our Certificates of Deposits (CDs) and Individual Retirement Accounts (IRAs) including current rates, contact one of our deposit specialists today.

CDs*

Isabella Bank offers a variety of Certificates of Deposit terms and rates.  (For more information, including rates for Individual Retirement Accounts (IRAs), bump CDs and future growth certificates of deposit, contact your local office.) 

  Term

$1,000 Minimum Balance Requirement

$10,000 Minimum Balance Requirement

 

Interest Rate

Annual Percentage Yield (APY)

Interest Rate

Annual Percentage
Yield (APY)

6 Month 0.050% 0.05% 0.250% 0.25%
12 Month 0.150% 0.15% 0.399% 0.40%
24 Month 0.399% 0.40% 0.648% 0.65%
36 Month 0.549% 0.55% 0.797% 0.80%
48 Month 0.847% 0.85% 1.094% 1.10%
60 Month 1.144% 1.15% 1.391% 1.40%
15 Month Bump* 0.150% 0.15% 0.399% 0.40%
72 Month Bump** 1.144% 1.15% 1.391% 1.40%

*We may change the interest rate on your account once during the original term at your request.  The interest rate for your account will never exceed 5.00% above or fall more than 5.00% below the initial interest rate.

** We may change the interest rate on your account twice during the original term at your request.  The interest rate for your acount will never exceed 5.00% above or fall more than 5.00% below the initial interest rate.

Rates as of 4/15/2013 and subject to change.  Certificates of deposit have a penalty for early withdrawal; fees may reduce earnings.

 

IRAs

Isabella Bank offers many types of Individual Retirement Accounts (IRA's) including traditional, ROTH, SEP, educational, and beneficiary to help you save for the future.  Individual Retirement Accounts are placed into certificate of deposits with terms ranging from 12 months to 5 years.  A minimum opening balance of $500 is required for all fixed rate IRA's.