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Certificates of Deposit (CDs)

The flexibility and guaranteed interest rate offered by Certificates of Deposit (CDs) makes them a popular choice for anyone wanting to maximize their return. Flatwater Bank offers a variety of terms and rates on our CDs to meet your investment needs. Our staff is well trained to help you select the best alternative to meet your needs.

Traditional CD:

  • Fixed term interest rates
  • Terms from 7 days to 36 months
  • Flexible interest payment options
  • Penalty may be imposed for early withdrawal on traditional CDs
  • Take a look at our rates

Anytime CD:

If you are waiting for rates to increase and want to put a little bit of interest back into your savings, check out our Anytime CD!

  • View Rate
  • Open with as little as $1000
  • No penalty for early withdrawal*

*We’ll hand over your full balance and accrued interest any time after the first 6 days of funding your CD

Individual Retirement Accounts

Save for retirement now so you can enjoy your golden years in style. Enjoying a carefree retirement requires planning, and it begins by working with the right financial partner. At Flatwater Bank we make it easier to reach your long–term financial goals.

  • Save for retirement
  • Traditional, Roth, and Coverdell Education IRAs available
  • Variable and fixed term rates available
  • Long and short-term options
  • May offer tax advantages (please consult with your tax advisor for more details)

Individual Retirement Accounts are subject to all IRA rules and regulations.

View Product Rates See rates for our different checking and savings accounts. Explore >>