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The safest way to plan and invest for your retirement!

Traditional IRA CD

Baltic State Bank's Traditional IRA CD is structured the same as our normal Certificate of Deposits, but your earnings are tax-deferred until they are withdrawn.

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Flexible terms ranging from 1 month to 60 months

Competitive fixed interest rates, not affected by the market performance.

Earned interests are tax-deferred

FDIC insured up to $250,000 per depositor.

Your CD will be automatically renewed upon maturity. You'll have a 10 calendar day grace period to make any changes to the account.

You can perform the following during the grace period:

  • Renew your CD

  • Change your CD's term

  • Deposit additional funds to your CD

  • Withdrawl your CD's funds without any penalty

Receive a monthly interest check, or add the interest to the CD

Online and Mobile Access


  • Additional deposits are not allowed

  • Early withdrawals of funds (before the term is up) may be subjected to penalties.

  • Please consult your tax advisor for additional information.​

  • You must deposit at least $500 to open

  • 2 Forms of Identification required to open an account (normally Driver’s License/Photo ID/Passport and Social Security Card)

  • Open at any of our three offices

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Check Out Our Rates

Unlock exceptional banking rates tailored to your needs. At Baltic State Bank, we strive to offer competitive rates that maximize your savings and financial growth. Explore our range of products and enjoy the benefits of banking with us.

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