CDs & IRAs
Certificates of deposit give you guaranteed returns with no risk. IRAs bring the peace of mind of a solid retirement plan. Ready to invest in your financial future? We’re ready to help put your hard-earned cash to work.
Ready to get startedHow to Opena CD/IRA
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.
- 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 IRA. Our IRA accounts come in 6- to 60-month CD terms, and as a savings account.
A tried-and-true way to make pre-tax contributions.
- Investments grow tax-deferred
The best bet if you anticipate a higher tax rate in retirement.
- Tax-free growth
- Tax-free withdrawals in retirement
- No minimum distributions required
Simplified Employee Pension (SEP) Plan
Set aside money for retirement for yourself or employees.
- Contribute up to 25 percent of pay
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.
1Minimum additional deposit of $100.
Certificate of Deposit Rates3
*Effective as of 10/2/2022
|Program||Term||Annual Percentage Yield (APY)||Minimum Daily Balance to Earn APY|
|Fixed Rate CD||6 Month||0.10%||$2,000.00|
|Fixed Rate CD Special||9 month||2.00%||$2,000.00|
|Fixed Rate CD Special||16 month||2.35%||$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 Month||0.20%||$10.00|
4Annual Percentage Yield (APY) subject to change. Interest is compounded daily and credited monthly. Substantial penalty assessed on funds withdrawn prior to maturity on all CDs. CDs less than 12 month terms are restricted to residents of Massachusetts. Minimum to open 1,2,3,4 or 5 year term accounts for residents outside of Massachusetts is $5,000.