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Certificates of Deposit and IRAs

Safe Savings that Grow with You

When you want a higher-yield savings with the security and peace-of-mind of a FDIC-insured investment, consider a certificate of deposit or individual retirement account from Sturgis Bank. You have the flexibility to structure either of these savings tools to fit your financial goals.

See Our competitive rates and terms

Certificate of Deposits

A certificate of deposit (CD) account is an easy, safe, stable environment to save money with higher interest rates than traditional savings accounts. You choose the duration of the account term, and with a fixed rate of return, you can estimate your earnings to help plan for the future.


  • Minimum deposit of $500 for 1-year, 2-year, 3-year, 4-year, or 5-year CDs
  • Minimum deposit of $2500 for 3-month and 6-month CDs 
  • Competitive, fixed interest rates 
  • Compound interest paid quarterly to your CD account or easily transferred to another bank account such as a checking or savings on a monthly, quarterly or semi-annual basis 
  • Automatic renewal at maturity 
  • Availability as collateral for loans
  • Special short-term and long-term CDs may be available periodically 
  • An early withdrawal penalty may apply

Individual Retirement Accounts

An Individual Retirement Account (IRA) from Sturgis Bank is a tax-advantaged account that holds certificates of deposit investments to help you save for retirement. Our Traditional or Roth IRA programs both offer tax benefits; check with your tax advisor to determine which solution fits best with your long-term savings goals.

Personal cdiraFeatures

  • Minimum deposit of $500 for 1-year, 2-year, 3-year, 4-year, or 5-year Savings IRA CD account
  • Minimum deposit of $2500 for 3-month and 6-month accounts
  • Competitive, fixed interest rate 
  • Interest is compounded and paid to your IRA CD account 
  • Interest earned may be tax deferred (consult your tax advisor) 
  • Contributions may be tax deductible, contact your tax advisor for further information
  • Automatic renewal at maturity 
  • Special short term and long term may be available periodically 
  • An early withdrawal penalty may apply, contact us for further details

Contact us to open your Certificate of Deposit or Individual Retirement Account today.

For more detailed disclosures please contact us at 269-651-9345.  Disclosures will be mailed or delivered within 10 business days upon request.

Financial Calculators

Certificate of Deposits

Check out a variety of tools to help you reach your savings and investment goals!

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IRA Rates


IRA calculators right at your fingertips!

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