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Certificates of Deposit (CDs)
Invest in a standard certificate of deposit at The Gifford State Bank with as little as $500. Certificate of deposit terms range from one month to 60 months. Our interest rates are competitive and we periodically offer CD specials. CDs are automatically renewable and the interest may be compounded or paid directly to your checking or savings accounts with The Gifford State Bank. Please call or come in to any of our branches for current rates.
Individual Retirement Accounts (IRAs)
A Traditional IRA is a special tax deferred savings plan authorized by the Federal Government to encourage you to accumulate money for retirement.
A Roth IRA is an individual retirement account to which participants are able to make non-deductible contributions (earnings can be tax free).