Interest Rates and Annual Percentage Yields as of
are the current rates for the listed products.
M & S Bank offers a broad range of CD's & IRA Investment Products. Simply contact us to structure a CD or IRA that best suits your individual needs. *Displayed APYs are based on the longest maturity period for the offered Interest Rate. Lesser maturity periods may yield higher APYs. **Options exercised to increase the interest rate before maturity will also affect the APY.
Certificates of Deposits & IRA Investments
This Rate Chart contains information about interest rates and annual percentage yields (APY's) for our Certificates of Deposit and Individual Retirement Account (IRA) products. The minimum balance required to obtain the interest rate and annual percentage yield for any product listed below is the same as the minimum opening deposit. Interest rates may change upon any maturity and at the discretion of M&S Bank. The APY assumes interest remains on deposit until maturity. A withdrawal of interest prior to maturity will reduce earnings. Fees could also reduce the earnings on any account. A penalty for early withdrawal may apply to any of the certificates of deposit or IRA products listed below. To see our great CD specials, click here CD Specials.
Opening
Balance
Rate
Percentage
Yield (APY)
(one rate increase option)
(two rate increase options)
IRA Club Account - 12 months
IRA Club Account - 18 months
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