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Personal CDs & IRAs

Centinel Bank of Taos Certificates of Deposit (CD) and Individual Retirement Accounts (IRA) are a safe and secure way to earn a higher rate of return on your investment. Highly competitive interest rates/annual percentage yields make Centinel Bank of Taos Certificate of Deposit and IRA accounts a wise investment choice.

Account Name Learn More Minimum Opening Deposit Monthly Service Charge Minimum Balance Transactions Apply Now
Certificates of Deposit (CD) More » $1,000 $0 N/A   Apply

Certificates of Deposit (CD)

  • Competitive interest rates for a specified term.
  • 3 months, 6 months, 12 months, 24 months, 3 year, 4 year and 5 year terms available with a minimum opening deposit of $1,000.00.
  • Early withdrawal penalties may apply.
  • Consult with a Centinel Bank personal banker to find the Certificate of Deposit that is right for you.
Individual Retirement Account (IRA) More » $1,000 $0 N/A N/A Apply

Individual Retirement Account (IRA)

  • Invest money for retirement.
  • Accumulated earnings grow tax deferred until time of withdrawal (Consult your tax advisor).
  • Depending on your individual or family income, deposits may be fully or partially tax deductible. The rules & restrictions governing IRAs are many: check with your tax advisor for the benefits of an IRA for your specific situation.
  • Rollovers or transfers from other retirement plans are available.
  • The funds are invested in federally insured certificates of deposit. Each depositor is insured up to $250,000.
  • Interest payments are made quarterly.
  • We offer Traditional, Roth and SEP Individual Retirement Accounts

The following documentation is needed to open a Personal Account:

  • Valid Driver’s License
  • Social Security Number
  • Proof of Physical Address

Contact us to apply now.