Certificates of Deposit & Individual Retirement Accounts
CDs
Terms of 6 months to 60 months are available with a minimum
$500 opening deposit. Interest accrues daily
and is paid quarterly or can be
credited monthly to another Keystone account.
Individual
Retirement Accounts
A Keystone IRA offers a risk-free, competitive
return on your funds to help save money for
retirement. To make saving easier, open an
IRA Statement Savings Account and sign up to
have automatic payments made directly from
your Keystone checking account.
CDARS
CDARS is the Certificate of Deposit Account Registry Service. It is an easy and convenient way to access full FDIC insurance on large deposits because it involves one bank, one rate, and one statement. Your large deposit is broken into smaller amounts and placed with other banks in the CDARS network. Those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your entire investment is eligible for FDIC insurance. You earn one rate on your entire investment and receive one regular statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details.
