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25201 Chagrin Boulevard
Suite 120
Beachwood, OH 44122

Phone: (216) 359-5580
Fax: (216) 359-5581

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    25201 Chagrin Boulevard, Suite 120 - Beachwood

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    348 Center Street P.O Box 1078 - Chardon

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CDs & IRAs

Home Personal CDs & IRAs

Prepare for the Future

Live the Life You’ve Dreamed Of

Please Note: Section 2202 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, provides for special distribution options and rollover rules for retirement plans and IRAs and expands permissible loans from certain retirement plans. To learn more, click HERE.


We believe thinking about your future and retirement should be exciting.

Our CD and IRA products are designed to provide the financial means needed to open doors to all the opportunities life can bring.


Do you know how much you’ll need to live the retirement you want?


CDs – Guaranteed Growth Over Time

Don’t leave idle funds sitting in a savings account. Use a CD to give yourself a boost in interest.

  • Open an account for as little as $500
  • Choose from terms ranging from three months to five years depending on your needs
  • Choose how you want to receive the interest your deposit earns: 1) A monthly check written out to you, 2) a monthly transfer to your account, or 3) compounding and adding it to your initial deposit month after month.

We even have options for those wanting to invest $100,000 or more in an FDIC-protected CD.

See what today’s deposit could grow to over time!

IRA Info

Preparing for retirement is all about flexibility. We offer a variety of IRA accounts to ensure you find a solution that best fits your current finances and the goals you have.

  • Traditional, Roth and Educational IRAs are the most well-known options. Each of them has its own benefits and limitations, particularly when it comes to tax savings.*
  • IRA Savings Accounts allow you to invest when the time is best for you. Make deposits when you have funds on hand to continue taking positive steps toward your financial goals.
  • Our IRA CDs offer more safety and guaranteed returns for the cautious investor. Ideal for those looking to diversify and wanting more security in their investments.

* As with all tax-related issues, be sure to consult with an accountant or another qualified advisor regarding eligibility and tax implications. All certificates, including Individual Retirement Accounts, carry penalties for early withdrawal.


Our Latest Rates

Rates are current as of January 21st, 2021.


CD Rates*

RateAnnual Percentage Yield (APY)
3-Months $500 $500 0.10%0.10%
6-Months $500 $500 0.10%0.10%
12-Months $500 $500 0.25%0.25%
18-Months $500 $500 0.25%  0.25%  
24-Months $500 $500 0.25%  0.25%  
30-Months $500 $500 0.25% 0.25%   
36-Months $500 $500 0.35%0.35%
48-Months $500 $500 0.35% 0.35%
60-Months $500 $500 0.35%0.35% 


IRA Savings Rates*

$100 <$1000 0.03% 0.03% 
$100$1,000 0.03% 0.03% 
$100$2,500 0.03% 0.03% 
$100$5,000 0.05% 0.05% 


IRA Certificates Rates*

12-Months $250 $250 0.25% 0.25% 
18-Months $250 $250 0.25% 0.25% 
24-Months $250 $250 0.25%  0.25%  
30-Months $250 $250 0.25%0.25%
36-Months $250 $250 0.35%0.35%
48-Months $250 $250 0.35%0.35%
60-Months $250 $250 0.35%0.35%

Truth in Savings CDs & IRAs Disclosure (PDF)

Money Market Account*

Minimum to OpenMinimum BalanceMaximum BalanceRateAnnual Percentage Yield (APY)

*At our discretion, we may change the interest rate and annual percentage yield at any time including after opening a savings, checking, and IRA savings accounts. Account fees could reduce the earnings on the account. Early withdrawal penalty may apply for IRA Certificates and CD related products.


Truth in Savings Money Market Disclosure (PDF)


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