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Personal CDs & IRAs
CD and IRA options designed to support your savings and retirement goals, with local support and personalized service from a community bank.
What is a Certificate of Deposit?
A Certificate of Deposit (CD) is a savings account that earns a fixed interest rate for a selected term. By leaving funds on deposit for the full term, you can earn a predictable rate of return while working toward your savings goals.
What Is an IRA?
An Individual Retirement Account (IRA) is a personal savings account designed to help you save for retirement. Depending on the type of IRA, contributions may offer tax advantages, and your savings can grow over time to support your long-term financial goals.
Why Choose Orrstown Bank For Your CDs & IRAs?
For more than 100 years, Orrstown Bank has helped individuals and families plan for the future. Whether you're saving for a short-term goal, setting aside funds for retirement, or looking for a fixed-rate savings option, our bankers take the time to understand what's important to you and explain the options available.
Visit a local branch near you to start the conversation.
Traditional CD
Overview
A Certificate of Deposit (CD) offers a fixed interest rate for a selected term in exchange for maintaining funds for the full term. CDs can be a helpful option for setting aside money for future goals while earning predictable interest.
Features
- Fixed Rate for Term¹
- Interest may be capitalized or deposited to an Orrstown Bank deposit account
- Multiple-term options available
- Fixed interest rate for the selected term¹
- Predictable earnings throughout the term¹
- $500 Minimum Opening Deposit2
- No Additional Deposits Permitted⁶
- No Principal Withdrawals Permitted During Term⁵
Traditional CD
As of 9/21/2026| Traditional CD | Rate | APY¹ | Minimum Balance |
|---|---|---|---|
| 7-89 Days | 1.50% | 1.51% | $500.00 |
| 3-5 Months | 1.40% | 1.41% | $500.00 |
| 6–11 Months | 3.05% | 3.09% | $500.00 |
| 12-17 Months | 2.80% | 2.84% | $500.00 |
| 18-23 Months | 2.55% | 2.58% | $500.00 |
| 24-29 Months | 1.75% | 1.77% | $500.00 |
| 30-35 Months | 1.75% | 1.77% | $500.00 |
| 36-41 Months | 1.50% | 1.51% | $500.00 |
| 42-47 Months | 1.50% | 1.51% | $500.00 |
| 48-59 Months | 1.50% | 1.51% | $500.00 |
| 60-119 Months | 1.50% | 1.51% | $500.00 |
| 120 Months (Burial Funds ONLY) | 1.50% | 1.51% | $500.00 |
APY¹ Rate as of 9/21/2026. The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened. Fees may apply and could reduce earnings. See fee schedule for details.
Interested in opening a CD? Visit a branch to discuss available term options, current rates, and whether you may qualify for any promotional rate offerings.
1 The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened.
2 Rates are subject to change without notice prior to account opening.
5 Withdrawals made before the maturity date may result in a penalty, which could reduce earnings and, in some cases, principal. The penalty amount will depend on the term of the CD.
6 Unless otherwise instructed before the maturity date, the CD will automatically renew. You will have a grace period after renewal to make changes or withdraw funds without penalty.
IRA CD
Overview
An Individual Retirement Account (IRA) CD combines the fixed-rate features of a Certificate of Deposit with tax-advantaged retirement savings features. It's an option for individuals looking to save for retirement while earning a fixed rate for a selected term.
Features
- Fixed Rate for Term¹
- Interest may be capitalized or deposited to an Orrstown Bank deposit account
- Tax-advantaged retirement savings features⁷
- Multiple-term options available
- Fixed interest rate for the selected term¹
- Predictable earnings throughout the term¹
- Minimum Opening Deposit: $500²
- No Additional Deposits Permitted⁶
- No Principal Withdrawals Permitted During Term⁶
IRA CDs
As of 9/21/2026| IRA CDs | Rate | APY¹ | Minimum Balance |
|---|---|---|---|
| 7-89 Days | 1.50% | 1.51% | $500.00 |
| 3-5 Months | 1.40% | 1.41% | $500.00 |
| 6–11 Months | 2.75% | 2.78% | $500.00 |
| 12-17 Months | 2.50% | 2.53% | $500.00 |
| 18-23 Months | 2.25% | 2.27% | $500.00 |
| 24-29 Months | 1.75% | 1.77% | $500.00 |
| 30-35 Months | 1.75% | 1.77% | $500.00 |
| 36-41 Months | 1.50% | 1.51% | $500.00 |
| 42-47 Months | 1.50% | 1.51% | $500.00 |
| 48-59 Months | 1.50% | 1.51% | $500.00 |
| 60-119 Months | 1.50% | 1.51% | $500.00 |
APY¹ Rate as of 9/21/2026. The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened. Fees may apply and could reduce earnings. See fee schedule for details.
Planning for retirement starts with understanding your options. Visit a branch to learn more about IRA CDs and available term choices.
1 The interest rate and Annual Percentage Yield (APY) are fixed for the term of the CD and will not change after the account is opened.
2 Rates are subject to change without notice prior to account opening.
6 Unless otherwise instructed before the maturity date, the CD will automatically renew. You will have a grace period after renewal to make changes or withdraw funds without penalty.
7 Please consult a tax professional to discuss benefits associated with these accounts.
8 IRS imposed penalties also may apply in some cases. Please consult your personal tax advisor.
IRA Money Market
Overview
An IRA Money Market account offers a flexible way to save for retirement while earning interest on eligible balances. Additional deposits are permitted, providing ongoing opportunities to contribute toward your retirement goals.
Features
- Additional Deposits Permitted
- One-Time Principal Withdrawal Permitted⁴
- Interest may be capitalized or deposited to an Orrstown Bank deposit account
- Tax-advantaged retirement savings features⁷
- Variable tiered interest rates³
- Ongoing contribution flexibility
- No Bank-Imposed Early Withdrawal Penalty⁸
- No Minimum Opening Deposit
- Maintain a $500 Average Statement Balance to Avoid the $5 Monthly Maintenance Fee
- Term Entered as 360 Months at Account Opening
IRA Money Market
As of 9/21/2026| Variable Tiered Interest Rate | APY2 |
|---|---|
| $0.01 - $2,499.99 | 0.15 % |
| $2,500 - $9,999.99 | 0.15 % |
| $10,000 and Above | 0.15 % |
APY2 Rate as of 9/21/2026. Interest rate and APY are variable and subject to change without notice after account opening. Fees may apply and could reduce earnings. See fee schedule for details.
Looking for flexibility within your retirement savings strategy? Visit a branch to learn more about IRA Money Market account features and requirements.
3 Interest rate and APY are variable and subject to change without notice after account opening.
4 Fees may apply and could reduce earnings. See fee schedule for details.
7 Please consult a tax professional to discuss benefits associated with these accounts.
8 IRS imposed penalties also may apply in some cases. Please consult your personal tax advisor.
Compare Accounts
- Traditional CD
- IRA CD
- IRA Money Market
Compare CDs & IRAs
Fixed Rate
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Retirement Account
71Additional Deposits Allowed
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