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CDs & IRAs

KodaBank’s Certificates of Deposit & Individual Retirement Accounts

Your Building Blocks For A Brighter Future


Like everyone, you have goals. And dreams. And experiences you’d like to pay for with your hard-earned money. That’s where CDs and IRAs from KodaBank come in.

Maybe it's a bigger house, a new boat or something special for your family. Or maybe it's years of relaxation after retirement. KodaBank’s CDs and IRAs help you save now – so the money is available when you need it. Here, you can grow your savings at an exceptional rate and be financially ready for whatever tomorrow brings.

Certificates of Deposit 

  • Invest for anywhere from 3 months to five years
  • Earn higher interest than you would on a traditional savings account
  • Minimum deposit of $1,000
  • Tiered rate structure means that bigger balances can earn even higher returns

Individual Retirement Accounts

  • Choice of Traditional and Roth IRAs
  • Save for retirement while enjoying potential short-term and long-term tax benefits
  • Education IRAs also available to cover eligible primary, secondary and college education costs
  • No annual fees
  • Accounts protected by Federal Deposit Insurance Corp.

Amount of CD
3 Month Rate 3 Month APY** 6 Month Rate 6 Month APY** 12 Month Rate 12 Month APY** 24 Month Rate 24 Month APY** 36 Month Rate 36 Month APY** 48 Month Rate 48 Month APY** 60 Month Rate 60 Month APY**
$1,000-$24,999* 4.00%
4.06% 4.00%
4.04% 3.85%
3.85% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.75% 3.75%
$25,000-$99,999* 4.10% 4.16% 4.10% 4.14% 3.95% 3.95% 3.60% 3.60% 3.60% 3.60% 3.60% 3.60% 3.85% 3.85%
$100,000 and over*
4.20% 4.27% 4.20% 4.24% 4.05% 4.05% 3.70% 3.70% 3.70% 3.70% 3.70% 3.70% 3.95% 3.95%

9 MONTH CD SPECIAL - 4.75%
  • $2,500 minimum opening deposit
  • 4.78% APY
  • New money only

15 MONTH CD SPECIAL - 4.25%
  • $2,500 minimum opening deposit
  • 4.26% APY
  • New money only

Rates Effective July 1, 2024
*A penalty may be imposed for early withdrawal
**APY = Annual Percentage Yield