CDs & IRAs

Plan for tomorrow while your money works today.

Saving for the future doesn’t have to be complicated. When you open a CD or IRA, your money earns competitive returns over a fixed period of time. Whether you’re planning for next year or decades ahead, we make it easy to grow your savings with confidence and support you can count on.




Let us help you take the next step.







Save for tomorrow with confidence today.

At Vibe, saving is simple, secure, and built around your goals. Whether you’re growing your money with a Certificate of Deposit (CD) or preparing for retirement with an Individual Retirement Account (IRA), your savings work for you while you stay focused on what matters most.

  • Competitive rates that help your savings grow steadily
  • Flexible term options to match your financial goals
  • No monthly maintenance fees or service charges
  • Friendly, local support from team members who put our members first
  • Convenient management through Online and Mobile Banking
  • Secure, insured funds for peace of mind

     









Lock in a Great Rate with a CD.

Choose a term that fits your goals and lock in a rate that stays the same from day one. It’s dependable growth without the stress of market changes.

  • Minimum $200 deposit to open

  • Choose your term from 6 to 60 months

  • Competitive interest calculated daily 

  • Automatic renewal with 30-day maturity notice


 
Certificates are subject to early withdrawal penalties. Fees could reduce earnings on the account. 

Explore your IRA Options.

With Traditional and Roth IRA options, you’ll earn competitive rates, enjoy potential tax advantages, and save with the security of insured funds and trusted local support.

  • Start saving with $200

  • Flexible terms from 6 months to 5 years

  • Competitive interest calculated daily
  • Traditional and Roth options with potential tax benefits


 
 
Certificates are subject to early withdrawal penalties. Fees could reduce earnings on the account. 










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"No headaches, no hassles, and no issues. Very appreciative of Vibe always supporting our financial needs."
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Your CD and IRA Questions, Answered.

A CD or IRA Certificate lets you deposit money for a set period of time and earn a guaranteed rate the whole way through. Once you choose your term, your rate is locked in so your savings grow steadily and predictably. 
A regular CD is a great option for any savings goal, while an IRA Certificate is designed specifically for retirement. With an IRA Certificate, your money grows inside your IRA, which may offer tax advantages depending on the type of IRA you choose.
CDs and IRA Certificates are meant to stay untouched until the end of the term, so taking money out early usually comes with a penalty. It’s best to choose a term that fits your timeline so you can avoid early withdrawals.
IRA accounts can offer tax advantages that help your retirement savings grow more efficiently. Depending on the type of IRA you choose, you may get tax-deferred growth, tax-deductible contributions, or even tax-free withdrawals in retirement. Because every person’s tax situation is different, it’s best to talk with a qualified tax professional to understand which benefits apply to you.