CDs & IRAs

Certificates of Deposit

Certificates of Deposit (CDs) are an investment that guarantees that your savings will keep on growing.

Your investment is safe because Mercer County State Bank CDs are backed by the Federal Deposit Insurance Corporation up to at least $250,000 for each depositor. Whether you want a low-risk way to diversify your portfolio, save for retirement or have a time-specific savings need, CDs are a great choice to accomplish your financial goals.  You determine the amount of money you want to put in your CD and the term of the CD. In general, you earn a higher interest rate when you choose a CD with a longer term.


Traditional IRA

Save for retirement. Defer taxes on your earnings until they are withdrawn. Certain contributions are also tax deductible in the tax year for which they are made.

Roth IRA

Another way to save for retirement. A non-deductible account that offers the potential for tax free distributions. A good choice for those who expect to be in a higher tax bracket upon retirement.

IRA Rollovers/Transfers

Direct Rollovers and Transfers let you manage your retirement funds by allowing the movement of assets from one tax deferred retirement plan into another.


Visitcall or email one of our community offices and they will be glad to explain CDs and IRAs and help you open the best account for your needs.