CDs & IRAs

Planning for the future, whether short - or long-term, is always financially smart. There are several options for your future needs available to you as a State Bank of Cross Plains customer.

Fixed Rate Certificate of Deposit

Certificates of deposits, or CDs, are low-risk investments for money you don’t need for months or several years. We offer:

  • Terms from three months to five years
  • Fixed interest rate paid on entire balance
  • Quarterly paid interest
  • Automatic renewal terms 
  • Customizable terms 
  • Checking with no monthly fee to those who qualify

With a $2,500 minimum opening balance, you can start growing your money and your financial future. 

*Penalty for early withdrawal. 

See our current interest rates

Older couple sitting outside

Individual Retirement Accounts

If you’re looking to plan for the long-term future, traditional and Roth IRAs offer tax advantages that can help you save more for retirement. 

Traditional and Roth IRA benefits and features include:

  • Tax-free growth on Roth IRAs*
  • Tax-deferred growth on Traditional IRAs**
  • "Catch-up" contributions available for individuals age 50 and over 
  • Certificate of Deposit, Variable Rate, and Money Market IRA options available 
  • Small minimum opening balance of $50 for Money Market IRAs
  • Interest compounded quarterly

Whether your financial goals are for now or for later, State Bank of Cross Plains has the expertise and options to help you achieve them.

*Penalty for early withdrawal. Variable Rate IRA interest rates are adjusted quarterly

**Traditional IRA contributions may be tax deductible. Please consult your tax advisor for more information. Maximum annual contribution limits regulated by law. Tax-advantaged growth available to qualified individuals.


Contact us today at (855) 256-7328 to start saving.

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