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.

Current CD Specials:

Arbor is offering a 22-Month CD Special with rates:
2.78% APY for balances from $500-250,000* 3.56% APY for balances greater than $250,000¹
Arbor is offering a 35-Month CD Special with rates:
4.07% APY for balances from $500-250,000* 4.59% APY for balances greater than $250,000²

A little patience will pay off in the long run.

You know how to play the long game. You’re too bright to fall into the cultural instant gratification trap. Slow and steady wins the race. Whether you’re saving to buy a vacation home or to retire in a few decades, put some cash away in a Certificate of Deposit or Individual Retirement Account. Sit back and watch your guaranteed earnings grow over the years, knowing good things come to those who wait.

CD

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Interest can be withdrawn monthly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 to open your CD

CD Calculator

Traditional IRA

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 IRA

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

Getting started with CDs and IRAs at Arbor Financial

After you look into our CDs and IRAs, consider opening a checking account with us if you haven’t already. You get free access to more than 30,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay and more. It's easy to open your account online or switch your account to become an Arbor Financial member.

*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.

1. 22 Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. 2.78% APY for balances from $500-$249,999.99. 3.56% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Minimum balance of $500. Explorer’s Club minimum balance of $100. Rates and offers subject to change at any time without notice. APY as of October 17, 2022 for a limited time.

2. Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of $500. Explorer's Club minimum balance of $100. 4.07% APY for balances from $500.00 - $249,999.99. 4.59% APY for balances $250,000.00 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of January 3, 2023 for a limited time.