Retirement & Investment Accounts
Start early and contribute regularly.
We offer Certificates of Deposit (CD's), and both Traditional and Roth, Individual Retirement Accounts (IRA's) to help you save for your financial security or for your retirement. (We recommend that you consult your tax advisor to decide which type best fits your needs.)
Our IRA's provide an investment though our certificates of deposit. So, both our CD's and IRA's are FDIC insured up to the amount allowed by law. For more information on the retirement deposit FDIC coverage or limits, talk with a Morrill & Janes Bank representative or go to http://www.myFDICinsurance.gov, and learn how to setup your retirement accounts to qualify for the maximum FDIC insurance coverage.
All of our IRA and CD products offer these features:
- You can withdraw interest prior to maturity, but it will reduce your earnings
- Check your accounts anytime through Personal Online Banking
Compare the features of these accounts to find one that's right for your savings goals, and start building your nest egg today!
Fixed Rate CD and IRA options
We offer fixed rate CD's and IRAs from 3 month to 60 month terms. IRA's can be opened with as little as $1000.00. View this IRA Options - IRS Resource Center to compare the features and benefits of Roth and Traditional IRA's.
Residents of Kansas and Missouri can open our featured CD's online!
|6 months||0.19% APY*||Open Now!|
|12 months||0.29% APY*||Open Now!|
other terms up to 60 months
|Please contact your local Banking Center for current rates.|
Learn more about these account terms and rates by contacting your local Banking Center.
* (APY) Annual Percentage Yields are accurate as of 03/02/2015 and is based upon the maximum term of the deposit for each maturity. These rates may change at any time without prior notice. Early withdraw penalties may apply. Minimum balance to obtain APY is $.01. Minimum balance to open an account is $1,000. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Fees may reduce earnings.