Your financial goals deserve a plan that's both dependable and rewarding. 

Whether you're saving for something short-term or preparing for retirement, CS Bank's Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) offer safe, steady ways to build your future, with the local service and personal care you've come to expect since 1912.

Want Your Money to Grow?

Just Give it Some Time! 

Certificates of Deposit (CDs)

Save smarter. Earn more. Worry less. 


A CD is a great choice when you want to set money aside and earn a fixed return over time. Simply choose your term, lock in your rate, and enjoy guaranteed growth!
 
 
💡Good to know: CDs are ideal for building savings with zero market risk and a guaranteed return.
Benefits of a CD at CS Bank:
  • Competitive, fixed interest rates
  • Flexible terms to fit your savings timeline
  • Higher yields than standard savings accounts
  • Each depositor insured to at least $250,000
    • *Looking for more coverage? Ask us about CDARS, a program that provides FDIC insurance on deposits over $250,000 - all while keeping your funds with a single trusted bank
  • No monthly maintenance fees









Woman using calculator filling out papers.

Helpful Calculators

 






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Individual Retirement Accounts (IRAs)

Start planning for tomorrow, today!
 
Types of IRAs we offer:
  • Traditional IRA
    • Contributions may be tax-deductible, with tax-deferred growth until retirement
  • Roth IRA
    • Contributions are made with after-tax dollars, but qualified withdrawals are tax-free

Planning Ahead Starts Here.

Why Choose an IRA with CS Bank?

 
💡Tip from our team: Even small, consistent contributions can grow into something meaningful over time. 
  • Competitive rates
  • Expert, personalized guidance
  • No monthly maintenance fees
  • FDIC insured for added peace of mind
  • Local support from start to finish
 































CDs and IRAs - curly hair smiling

Ready to Get Started?

Saving is simple when you have the right tools... and the right team! Whether you're opening your first CD or planning your retirement, we're here to help. 
 
Visit your nearest CS Bank location or fill out the form below to get in contact with the CS Bank team! 
 
 






CDs and IRAs - girl at computer
 







For information on our current rates, please stop by one of our conveniently located branches, or contact us at 479-253-22265

A Traditional IRA offers contributions that may be tax-deductible with tax-deferred growth until retirement, while a Roth IRA is funded with after-tax dollars but allows tax-free qualified withdrawals.

Yes, through CDARS, which provides FDIC insurance on deposits over $250,000 while keeping funds with CS Bank.