Savings Accounts, CDs and IRAs

Whether you're putting money away for a specific reason or for the proverbial rainy day, saving is a habit that pays off. Turn to a personal savings account, CD or IRA to make the most of your money.

Savings Accounts

If you want to save money but need easy access to it, choose our personal savings account:

  • Earn excellent interest rates
  • Take advantage of an ATM card for fast, convenient access to your money
  • Choose direct deposit for faster saving
  • Save time and gain flexibility with 24/7 online and phone banking to quickly check your balance, transfer funds and access account information
  • E-statements provide all-the-time access to your account information

SBT Advantage saving account deposits are insured by the FDIC. Stop by a branch to discuss with your banker how to maximize your FDIC coverage.


Earn interest rates that are higher than many savings and money market accounts with a wide range of flexible terms.

  • Earn high interest rates
  • Receive a guaranteed yield
  • Choose the term that's right for you—from 6 month to 5 years

SBT Advantage CDs are insured by the FDIC. Stop by a branch to discuss with your banker how to maximize your FDIC coverage.

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Secure your retirement with SBT Advantage Bank retirement accounts. Choose from a retirement savings account for liquidity or an IRA CD for higher interest.

  • Save taxes now with a traditional IRA. Depending on your income level and whether you have a retirement plan at your work, your IRA is funded with pre-tax dollars.
  • Save taxes later with a Roth IRA. A Roth IRA is funded with after-tax money - but your investment grows tax-free. There are no required minimum distributions, you can continue to contribute as long as you have earned income (even after age 70 1/2). Withdrawals of contributions at any time are tax-free and IRS penalty-free. Qualified withdrawals of earnings are tax-free and IRS penalty-free. (Restrictions apply. Please consult your tax advisor for details.)
  • Avoid paying unnecessary taxes with an IRA Rollover. If you've recently left a job, this option may be right for you.

What type of IRA is right for you?

Drop by your neighborhood branch to discuss your retirement plans with a SBT Advantage Bank professional today

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