Personal Savings

Retirement / Educational

Secure your future with Colony Bank’s Individual Retirement Account (IRA), the key to building a comfortable retirement with confidence.

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Maximize savings while preparing for the future.

With flexible options and competitive interest rates, your retirement funds can grow steadily, helping you achieve the retirement lifestyle you’ve always envisioned. Colony Bank IRAs provide one of the safest ways to save for retirement, since they are FDIC insured and offer steady returns.

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More info about our IRAs:

Tax Advantages

IRAs provide tax advantages for your long-term retirement savings.

Let Money Grow

Start contributing now and let your money grow for your benefit.

Fixed Market Rate

Our Individual Retirement Term Account is a fixed market rate IRA.

Minimum Deposit

$500 minimum opening deposit.

Available Terms

Variety of terms available.

Compounding Interest

Interest compounds monthly.

Interest Payment

Interest can be paid monthly, quarterly, semi-annually, annually.

Accounts Included

Includes Traditional, Roth and Coverdell Education Savings Accounts (ESA), Savings Incentive Match Plans for Employees (SIMPLE), and Simplified Employee Pension (SEP).

Withdrawals

Penalty for early withdrawal, except withdrawals made in accordance with IRS distribution.

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Colony Bank offers a wide array of services to support you, from personal banking solutions to specialized lending options. Whatever your financial needs, we will help you every step of the way.