Personal cds and iras


Certificate of Deposit (CD)

With a Certificate of Deposit (CD), you earn a guaranteed return over a specific period of time. Shelby State Bank offers a variety of terms from 30 days to 60 months so you can customize a CD – or a series of CDs – to your individual needs.

CDs are insured by FDIC. Contact any SSB office to open yours today!

Individual Retirement Accounts (IRAs)

As IRA options have evolved, Shelby State Bank has evolved with them to make available the most complete lineup of IRA options for you. SSB offers:

  • Traditional IRA
  • Roth IRA (for post-tax contributions)
  • SEP IRA (for the self-employed)
  • Coverdell Education Savings Account (formerly known as an Educational IRA)

Because each investor’s financial situation and retirement plan differs, it is recommended that you seek counsel from your financial advisor or accountant to determine which product is more appropriate for your circumstances and goals.