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CDs & IRAs
The Richland County Bank Certificate of Deposit and Individual Retirement Accounts (IRAs) are a safe and secure way to earn a higher rate of return on your investment. Highly competitive interest rates/annual percentage yields (APY) make Richland County Bank Certificate of Deposit and IRAs a wise investment choice.
Fixed Rate Certificates of Deposit
- Minimum balance of $500.00
- Interest is compounded semi-annually. Interest may be paid semi-annually.
- Maturity notices are sent at least 10 days before the Certificate matures. There is a ten day grace period after maturity to re-invest or withdraw your Certificate without penalty. If you do not contact us, your Certificate will automatically renew for the same length of time and at the interest rate/APY in effect at the time of maturity.
Add-On Certificates of Deposit
- Minimum balance of $700.00
- Additional minimum deposits of $100 may be made.
- Interest is compounded semi-annually. Interest may be paid semi-annually.
- Maturity notices are sent at least 10 days before the Certificate matures. There is a ten day grace period after maturity to re-invest or withdraw your Certificate without penalty. If you do not contact us, your Certificate will automatically renew for the same length of time and at the interest rate/APY in effect at the time of maturity.
Individual Retirement Accounts (IRAs)
Traditional, Roth, Simple and SEPs (including rollovers/transfers).- Minimum to open an IRA: $500
- IRAs are time deposits; however, deposits may be made anytime, in an amount of $25.00 or more, up to the legal maximum.
- Fixed interest rate for term of IRA.
- Interest compounded monthly.
- Maturity notices are sent at least 10 days before the IRA matures. There is a ten day grace period after maturity to re-invest or withdraw from your IRA without penalty. If you do not contact us, your IRA will automatically renew for the same length of time and at the interest rate/APY in effect at the time of maturity.
Interest rate sheet and account disclosures are available on request.
