CDs, IRAs, and HSAs
Certificates of Deposit (CDs)
CDs offer a safe and secure investment option for your excess funds. We can help you set up the best strategy to keep your funds secure, yet flexible through a variety of time periods and rates.
Customized Term CDs are available
Choose your month, week, or even exact day that you want your CD to mature. Travel south for the winter, no problem! You can set your CDs to mature when you are back in the area. Need funds for an upcoming trip or expense? Set your CD maturity when your funds are needed.
CD Refinancing is available*
United Prairie Bank offers the option to "Refinance your CD"* from another financial Institution! You could be money ahead even with an early withdrawal penalty. As interest rates rise, waiting for a CD to mature to make investment decisions could cause you to miss out on potential dollars earned. Contact one of our experts today to find out if your CD qualifies.
*Not all certificates of deposit will qualify. Fees may reduce account earnings. Penalty for early withdrawal. Minimum deposit may be required. Personal accounts only.
Contact your local United Prairie Bank expert to find out our current available rates .
CDARS® is one of the safest and smartest tools for investors looking to protect their large-dollar investments while earning CD-level returns that may compare favorably to Treasury and money market funds.
CDs placed through CDARS offer investors (including institutional investors, such as corporations, foundations, and endowments):
- access to multi-million-dollar FDIC insurance;
- the ease of working through one trusted relationship, earning one rate per maturity, and receiving consolidated statements;
- the ability to forego ongoing collateral tracking;
- the power of daily compounding; and
- a finite maturity date (in contrast to auction-rate or some adjustable-rate securities).
Investing through CDARS can be a strong alternative to Treasuries. Like Treasuries, FDIC insurance is backed by the full faith and credit of the U.S. government.
Contact your United Prairie banking expert to learn more!
Placement of funds through the CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before CDARS settlement for a deposit or after CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of CDARS satisfies those restrictions.
CDARS is a registered service mark of Promontory Interfinancial Network, LLC.
Individual Retirement Accounts (IRAs)
You can take advantage of saving for your retirement through the tax benefits of an IRA. We offer both Traditional and Roth IRA options to find the option that best fits your goals.
United Prairie Certificates of Deposit or Savings account can be chosen to set up as your personal retirement savings tool, which means a variety of terms and rates are available.
Health Savings Accounts (HSAs)
Do you have a high-deductible health plan? If so, take advantage of the benefits of a Health Savings Account by putting aside tax-free funds for your qualified medical expenses. Use those funds as expenses come up or watch your funds grow over time.
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