Personal Banking
Personal CDs and IRAs
Pick the CD term that works best for you and watch your savings grow with high-yield certificate of deposit specials.
Open a CD online today or stop by any Bell Bank location. IRAs are not available to open online. Visit a Bell Bank location to open an IRA.
Personal Savings/CDs and IRAs
Fixed Rate Certificate of Deposit
$500 minimum deposit. Terms from three months to five years.
Fixed Rate Certificate of Deposit
$5,000 minimum deposit
If rates go up – increase the interest rate once during the term
If you need cash – withdraw up to half without penalty once during the term
Variable Rate IRAs
$50 minimum deposit
IRA Variable Rate Savings
Payment Frequency: Maturity
Bank IRA rates correspond to our regular certificate of deposit rates. Contributions may be added to variable rate retirement accounts at any time.
- Details
Bell Bank CDs Give You:
A safe, FDIC-insured way to save with NO account fees
Guaranteed, predictable earnings
Higher returns than you’ll usually find in a savings account
FAQs
Yes, certificates of deposits over $100,000 receive an additional 0.05% on top of the advertised rate.
Yes, you can withdraw your money early, but you may have to pay an early withdrawal penalty, depending on the term of your CD. Learn more about how CDs work here.
The choice is yours. You can:
- Withdraw your money
- Reinvest your money into a new CD
- Do nothing, and your CD will automatically renew at the closest available term and current interest rate.
Yes! Opening a CD for a special child in your life can be a great way to start saving for their future. All you need is their Social Security number.
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