CDs and IRAs

Saving for retirement or a big purchase and want a fixed rate with a guaranteed return? Invest and save confidently with Arbor Financial’s CDs and IRAs.

Start Smart. Grow Steady.

You don’t need shortcuts to build something meaningful, just the right place to start. With a CD or IRA, your savings can grow steadily over time, with guaranteed returns that help you move confidently toward your goals.

CDs

Here's why you can depend on a Certificate of Deposit:

Competitive interest rates
Terms range from six months to 10 years, with periodic special offers
Open a CD with just $500*
Interest can be withdrawn monthly
Visit any Arbor Financial branch or apply online to open your CD

CD Calculator

Add-On CDs

All the benefits of a traditional CD, with the flexibility to add deposits throughout the term:

Competitive interest rates
Terms from six months to one year
Open a CD with just $500*
Add-on to your CD in amounts of $25 or more, anytime
Maximum amount per CD is $250,000
Interest can be withdrawn monthly
Visit any Arbor Financial branch or apply online to open your CD

CD Calculator

Traditional IRAs

Here's why you might want Traditional Individual Retirement Account Savings and Certificates:

Tax-deferred savings program
Contributions may be tax-deductible
Competitive interest rates
Funds may also be invested in an IRA certificate
Visit any Arbor Financial branch to open your IRA

Roth IRAs

There are also advantages to Roth Individual Retirement Account Savings and Certificates:

Tax-free withdrawals when you reach retirement age
Competitive interest rates
Visit any Arbor Financial branch to open your Roth IRA

Frequently Asked Questions

Certificate of Deposit (CD)

: There is a minimum amount of $500 to open, however for young Explorer Club members, they only need a minimum of $100 to open.
: Add funds to your CD via Mobile & Online Banking, by visiting any branch location, or by calling 269.375.6702.
: No, your the rate remains the same throughout the term of your CD.
: Yes, you can withdraw early but early withdrawal penalties will apply.
: Your CD is set to automatically renew unless you select a different option at account opening or prior to maturity.

*Explorer’s Club Accounts have a minimum of $100

**Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Early withdrawal penalties apply and will reduce earnings.