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Certificates of Deposit

Certificates of Deposits (CDs) combine the security of a savings account with the higher interest associated with an investment. CDs are interest bearing accounts with guaranteed fixed rates and a wide range of terms and interest payment options. You will earn a guaranteed interest rate when funds are left in the account for a fixed period of time. Equity Bank offers a variety of competitive rates, terms and conditions on our CDs. An account may be opened for as little as $1,000. Interest is paid monthly and may be redeposited to the certificate, mailed by check, or deposited to another Equity Bank account. 


Please contact an Equity Bank associate for our current specials and rates!


Individual Retirement Accounts

Individual Retirement Accounts (IRA) are a great way to save for retirement. We offer Traditional and ROTH Individual Retirement Accounts.  An IRA is subject to certain retirement account qualifications, so contact one of our Customer Service Representatives for assistance choosing the account which will best fit your needs.  We encourage you to seek the advice of your tax professional in making a final determination.



Tax Deductible and Non-Deductible

The Traditional IRA is an account that allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which they are made.

If you are younger than age 70-1/2 for the entire tax year and have earned income (or your spouse must have earned income), you are eligible to establish a traditional IRA.



The Roth IRA is a non-deductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a Traditional IRA.

You are eligible to establish a Traditional or Roth IRA even if you already participate in or are receiving contributions from a retirement plan sponsored by your employer.



The Certificate of Deposit Account Registry Service (CDARS) is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $100,000.

One Bank
Everything is handled through our bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network.  Then, those member banks issue CDs in amounts under $100,000, so that your entire investment is eligible for FDIC insurance. 

One Rate
You earn one rate on your entire investment – so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks.

One Statement
You receive one regular account statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details.  With CDARS, there’s no need to manually consolidate statements, track changing collateral value or use private surety bonds. 

It’s that simple.


To learn more, contact one of our customer service representatives.