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CDs and IRAs

Certificates of Deposit (CD)

Features

  • $1,000 minimum opening deposit
  • Terms from 7 days to 5 years
  • Tiered interest rate, depending on balance, to obtain Annual Percentage Yield (APY).  See Truth In Savings disclosure.
  • Advance maturity notice will be sent to you
  • Transaction history is available on Online Banking
  • 6 month, 12 month, 18 month CDs allow unlimited deposits or $100 or more before maturity           

Benefits

  • Safety (FDIC Insurance)
  • Earns higher interest than a savings account (depending on tier)
  • Free 24 Hour Telephone Banking           

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Individual Retirement Accounts (IRA)

Features

  • $500 minimum opening deposit
  • Terms from 6 months to 5 years
  • $500 minimum balance to obtain Annual Percentage Yield (APY)           
  • Funds deposited in the Flexible IRA are not locked in for a specific time period. No interest penalty will be imposed by KS Bank when money is withdrawn from the Flexible IRA only. Flexible IRA pays tiered interest.
  • Tiered interest rate, depending on balance, to obtain Annual Percentage Yield (APY).  See Truth In Savings disclosure.
  • Advance maturity notice will be sent to you
  • Transaction history is available on Online Banking           

Benefits

  • Safety (FDIC Insurance)
  • Earns higher interest than a savings account (depending on tier)
  • Free 24 Hour Telephone Banking           

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* Rates & Product features are subject to change. Please refer to disclosures available at local branches for each product

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Effective October 1, 2003.

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