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M&S Bank - CD & IRA Products

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CD's & IRA's

CERTIFICATES OF DEPOSIT (CDs)

With our certificates of deposit you will earn market rates of interest and be assured of a stable return on your investment. You also have the flexibility to choose the term of your investment. See our Rate Chart for rates and terms available.

INDIVIDUAL RETIREMENT ACCOUNTS and EDUCATION ACCOUNTS (IRAs)

Invest for your retirement or for the education of a child and earn competitive interest rates in addition to potential income tax savings. We offer Traditional and Roth IRAs for retirement and an education savings plan for expenses associated with a child's higher education.

  • Traditional IRA: This IRA allows you to accumulate earnings tax-free. In addition, annual contributions up to the limit allowed by the lesser of your earned income or by law may be deducted from your income for federal income tax purposes. Currently, the federal contribution limit is $5,000 for persons age 49 and under and $6,000 for persons age 50 and older. Beginning with tax year 2013 the federal contribution limit is increased to $5,500 for persons age 49 and under and $6,500 for persons age 50 and older.. Withdrawals from your retirement account, after you reach retirement age, are typically taxed at a lower rate since your reportable income will be lower. IRA funds may be invested in any of our certificates of deposit or IRA Club* accounts.
  • Roth IRA: This IRA allows you to accumulate earnings tax-free. Contributions, however, are NOT tax deductible. The income qualification, however, is considerably higher than allowed for traditional IRAs, making more people eligible to use this great retirement savings plan. For the current tax year, the federal contribution limit is $5,000 for persons age 49 and under and $6,000 for persons age 50 and older.  Beginning with tax year 2013 the federal contribution limit is increased to $5,500 for persons age 49 and under and $6,500 for persons age 50 and older. Distributions from accounts that are held at least 5 years are tax-free if used for qualified purposes such as a home purchase, higher education, or after age 59 1/2. IRA funds may be invested in any of our certificates of deposit or IRA Club* accounts.
  • Coverdell Education Savings Account: This Plan allows anyone to save for a child's education (until the child reaches age 18) at qualified colleges, schools, and other approved institutions. The annual contribution allowed by law is currently $2,000. Earnings accumulate tax-free. Contributions, however, are NOT tax-deductible. Funds for this education savings account may be invested in most of our certificates of deposit and in our IRA Club* accounts.

* M&S Bank offers a unique IRA Club account. The minimum opening deposit is only $100. Additional deposits of $25 or more may be made at any time up to the annual contribution limit allowed by law for the type of IRA or education savings plan you open.

See our Rate Chart for current terms and rates on IRA accounts, or call a branch location.

Upcoming Events


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Mon May 26, 2014
Memorial Day (Closed)

Fri Jul 04, 2014
Independence Day (Closed)

Mon Sep 01, 2014
Labor Day (Closed)


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Contact Info

Telephone: (352) 264-7100

To Report Lost or Stolen Card: (800) 528-2273

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