Download Adobe Acrobat Reader 5.0 or higher to view PDFs. Farmers Trust & Savings Bank BANK BORROW LEARN CONNECT Toggle search form CDS & IRAS Certificate of Deposit (CD) For those looking to grow their savings, a Farmers Trust CD is a good choice. A CD is an FDIC-insured investment option where money is put into an account that is not used for a period of time. This allows you to earn interest at a predetermined rate which tends to be higher than most other types of accounts. Individual Retirement Account (IRA) As you plan for retirement, many people consider additional savings vehicles outside of their 401(k), such as an IRA. In fact, an IRA is one of the most viable ways to help assure a secure retirement. Farmers Trust offers Traditional and Roth IRAs, as well as Education Savings Accounts. Certificates of Deposit Individual Retirement Accounts Overview Make the most of your money. From 30 days to 5 years, our CDs offer guaranteed rates. FDIC-Insured safety and the peace of mind only money in the bank can bring. Lock in your savings with higher rates for larger balances. Periodic Special offers may be available. Secure your retirement or education needs with an FDIC-Insured IRA. Multiple IRA options (see features below) give you the ability to grow earnings tax-deferred or tax-free. Our flexible IRAs enable you to make recurring or one-time contributions. Minimum to Open/Balance Tier $1,000 minimum to open Balance Tiers: $1,000 - $4,999 $5,000 - $19,999 $20,000 or greater None Deposits One time at account opening Multiple Interest Fixed Rate. Semi-Annual. Paid by compounding, check or transfer to another FTSB deposit account. Variable. Quarterly. Paid by compounding. Term 3, 6, 12, 18, 30 or 60 months Specific maturities available at customer request 18 months Features Interest rates fixed for Term of Certificate. Automatically renewable. Variable rates may change monthly, Automatically renewable Traditional IRA Tax deductible contributions and tax deferred earnings. Roth IRA After tax contributions and tax free earnings. Coverdale Education Savings Account After tax contributions and tax free earnings for qualified beneficiary education expenses. For full details, please download our Savings & Investment Brochure (Opens in a new Window) . BACK TO TOP 510 Elm Street P.O. Box 90 Williamsburg, IA 52361 Phone: 319-668-2525 Member FDIC Equal Housing Lender Verified: Dec 4, 2021 Send Secure Message (Opens in a new Window) Lost/Stolen Debit Card Order Checks (Opens in a new Window) Disclosures USA Patriot Act Terms & Conditions Privacy Policy Created by Profitstars® ©2021 Farmers Trust & Savings Bank.