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CDs & IRAs

Certificates of Deposit

Certificates of Deposit allow you to receive a fixed interest rate on savings which you wish to set aside for a period of time.

  • Terms range from 30 days to 5 years.
  • Higher interest rates than most savings or checking accounts
  • Interest compounded quarterly

Building Block Certificates of Deposit

Building Block Certificates of Deposit are designed to help young children and teenagers meet their goals. Whatever your post-graduation plans may be—this is the savings program for you!

  • $50 minimum initial deposit
  • $10.00 minimum deposit thereafter
  • No limit on additional deposits
  • Matures on child’s 18th birthday
  • 2 signatures required to redeem (child and adult)
  • Variable interest rate compounded quarterly


Wahoo State Bank offers several retirement accounts, including Traditional IRAs, Roth IRAs, and SEPs. These IRA funds may be invested in a Certificate of Deposit (CD) or in a Pass-Book IRA, which allows you to make continuous, intermittent deposits whenever it is convenient for you. For more information about our Individual Retirement Accounts, talk with a Wahoo State Bank Personal Banker.

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