Fixed Certificates of Deposit

Our risk-free, fixed-rate CDs bring guaranteed returns at competitive interest rates – no matter what happens in the financial markets. Choose from six-month to five-year time periods and watch your assets grow.

Features Include:

  • Earns interest
  • 6 to 60 month terms
  • Fully insured

Individual Retirement Accounts

No matter what you plan to do in your retirement, plan now to keep it free of financial worry by investing in an IRA1. Our IRA accounts come in 6- to 60-month CD terms, fixed and variable rates, and as a savings account.

Traditional IRA

A tried-and-true way to make pre-tax contributions.


  • Investments grow tax-deferred

Roth IRA

The best bet if you anticipate a higher tax rate in retirement.


  • Tax-free growth
  • Tax-free withdrawals in retirement
  • No minimum distributions required

Education/Coverdell IRA

Put away money for future college costs with this federally sponsored, tax-free IRA.


  • Tax-free investment growth
  • Tax-free withdrawals on qualified education expenses

Simplified Employee Pension (SEP) Plan

Set aside money for retirement for yourself or employees.


  • Contribute up to 25 percent of pay


This unique option gives you the ability to add funds to your account over time—growing your initial balance—so that you can save even more for retirement.


  • 18-month variable term
  • Deposits can be added2

All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000 per depositor, with the excess over $250,000 insured by the DIF.

1Please consult your tax advisor.

2Minimum additional deposit of $100.

Certificate of Deposit Rates3

*Effective as of 4/14/2024

ProgramTermAnnual Percentage Yield (APY)Minimum Daily Balance to Earn APY
Fixed Rate CD6 Month0.10%$2,000.00
Fixed Rate CD Special9 month5.00%$2,000.00
12 Month0.15%$2,000.00
Fixed Rate CD Special16 Month4.50%$2,000.00
18 Month0.20%$2,000.00
24 Month0.30%$2,000.00
36 Month0.40%$2,000.00
48 Month0.50%$2,000.00
60 Month0.55%$2,000.00
IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.)18 Month0.20%$10.00

3Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000. A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time. 

Your Personal Bankers

Meeting the financial needs of our customers requires a creative approach. Our Personal Bankers are committed to getting to know you and tailoring financial solutions to fit your unique needs, even if that means thinking outside the box. 

Personal Checking Accounts

From First Checking for teens to Free Checking for seniors, we’re all about innovating to give you everything in a checking account that you want and need.

Your Financial Planning Team

Personal attention. Professional expertise. Smart, approachable people. Meet the Bluestone Wealth & Trust advisors.
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