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Certificates of Deposit and IRAs

Personal Certificate of Deposit (CD)

First State Bank Central Texas offers competitive rates to help you and your family save for the future.

If you need to designate funds for a specific purpose, or are looking to manage excess cash, a Personal Certificate of Deposit (CD) may be the right solution for you to lock in a competitive, predicable rate.  With terms from 31 days to 5 years and everything in between, you and your banker will design the specific CD to help you meet your personal savings goals.

To contact one of our bankers about a Personal CD and receive a current rate quote, click here.

Individual Retirement Accounts (IRAs)

Let First State Bank Central Texas help you save for your retirement.  Account features include a minimum opening deposit of $1,000.  Contributions may be totally or partially tax deductible and interest is tax deferred.  Available to customers under 70 ½ with earned income.

For more details, contact a banker near you.

Roth and Education IRAs

Roth IRA allows for nondeductible contributions with tax-free earnings, plus, qualified distributions are nontaxable.  Education IRA allows for nondeductible contributions with tax-free earnings, and qualified education-related distributions are nontaxable.

For more details, contact a banker near you.

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