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.


CDARS® is the Certificate of Deposit Account Registry Service® and it's the most convenient way to access FDIC insurance on large CDs. With CDARS, you work with MCSB and we, through the CDARS Network, have other Network banks issue CDs in your name to acquire FDIC insurance on all of your CD balances. You earn one rate on all your CD investments as well as receive one statement. It's that easy.

CDARS is the perfect solution for many depositors — from non-profits and businesses, to advisors (including trustees, CPAs, financial planners and lawyers) and individuals, as well as socially-motivated investors.

For more information, visit the CDARS website


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 Defer taxes on your earnings until they are withdrawn.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.