IRAs & CDs

Individual Retirement Account (IRAs)

Call 478-254-7775 to learn more about CDs & IRAs!


Individual Retirement Accounts, or IRAs, allow you to set aside money for retirement that is tax-free or tax-deferred. This allows your savings to grow more quickly than in traditional, taxable accounts. IRAs help you prepare for retirement and set you up for future financial stability. We recommend people begin saving for retirement as early as possible.

One South Bank IRAs provide a fixed rate investment option coupled with the safety of an FDIC-insured investment. We offer a wide range of investment choices designed to grow your portfolio. For more information or help getting started, talk to one of our financial experts.

  • No annual service fee
  • Interest compounded quarterly
  • Visit One South Bank to open your IRAs

Certificate of Deposit (CDs)

A certificate of deposit is a low-risk investment that has a larger interest rate than a savings or money market account. CDs are perfect for those who are just beginning to invest, as they are one of the safest investments you can make. A CD is also a good choice for someone who will not need the money they set aside for an extended period of time. Unlike a savings account, if you withdraw money from a CD before it matures, you will incur penalties.

With a One South Bank CD, you will have a selection of interest payment plans and terms to help you customize your investment needs.

  • Earning power of great rates
  • Interest compounded quarterly
  • Terms ranging from three months to five years

One South Bank: Community Banking at Its Finest

At One South Bank, we take our role as your community bank seriously. Our clients trust our 75 year experience of providing responsible, honest financial services and top-notch customer service. We pride ourselves on being dependable, financially sound, and confident in serving your banking needs. Stop by and learn why you should trust us to be your community bank.