Certificate of Deposit
& Individual Retirements Accounts

Certificate of Deposit

Kearney Trust Company offers certificates of deposit that range from 31 days to 60 months. These are time deposits that guarantee a certain rate for a certain length of time. $100.00 minimum balance required.

Second Chance 30 Month CD

This certificate allows the interest rate be adjusted once during the 30 month time period. There is a $10,000.00 minimum to open this CD.

6 and 12 Month Add-on CD's

These CD's were designed with our younger investors in mind. It allows deposits to be made in $100.00 increments. This lets the kids in our kid's club save their money in their savings accounts and then transfer those funds over for a higher rate of return. No minimum balance required.

See Our Rates

Note: For an actual legal disclosure of these products contact us at the bank.

Individual Retirements Accounts

Traditional IRA's

Traditional Individual Retirement Accounts are designed to be an investment that grows on a tax-deferred basis. Contributions and earnings are taxed upon withdrawal. These contributions are invested into certificates of deposit at Kearney Trust Company.

Roth IRA's

Roth IRA's are funded with taxable contributions. These contributions and earnings are then tax-free when they are withdrawn. These contributions are invested into certificates of deposit at Kearney Trust Company.
Coverdell ESA's

The Coverdell Educational Savings Account is a great way to save for qualified elementary and secondary school expenses as well as those for higher education. These contributions grow tax-free for the designated beneficiary. These contributions are invested into certificates of deposit at Kearney Trust Company.

See Our Rates

Note: For an actual legal disclosure of these products contact us at the bank. Specific tax questions need to be directed to your professional tax person.