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CD's and IRA's

Certificate of Deposit


If you're looking for the best CD rates around, look no further than Wood and Huston's Certificates of Deposit! With a minimum deposit of just $1,000, we offer standard terms of 3, 6, 12, 24, 36, 48, and 60 months (terms vary by bank location). Interest can be paid monthly, quarterly, or at maturity of the CD, based on your preference. Payment can be made by choice of check, direct deposit, or compounding. Best of all, there's no service charge (though there are penalties for early withdrawal). Open yours today!

Traditional or Spousal IRA


At some point, everyone has to start thinking about their retirement. Our traditional and spousal IRAs will help you enact a saving plan that's right for you. These IRAs will make sure that when the time comes to start relaxing, you can actually relax without having to worry about making ends meet. Contributions and interest are both tax deductible for qualified individuals, so it makes an ideal place to keep your money until you are ready to kick back!

Features

  • Interest tax deferred until pay out
  • Fixed rate retirement account
  • Minimum based upon investment vehicle chosen
  • Contribution tax deductible for qualified individuals
  • Up to $5000 contribution if under age 50
  • Up to $6000 contribution for age 50 and greater
  • Withdrawals can begin at age 59 1/2
  • Available for individuals under age 70 1/2
  • No set up or administration fees

 

ROTH IRA


You know as well as we do that it's never too early to start planning. Our Roth IRA lets you avoid taxation on interest earned for money you save today! Best of all, there are no administration or set-up fees.

 

Features

  • Interest tax free if certain rules are met
  • Fixed rate retirement account
  • Minimum based upon investment vehicle chosen
  • No tax deductibility of contributions
  • Up to $5000 contribution if under age 50
  • Up to $6000 contribution for age 50 and greater
  • Withdrawals can begin after satisfying a five year waiting period and after age 59 1/2 disability, First-time homebuyer, death
  • No required minimum distributions ever
  • No set up or administration fee

 

Coverdell Education Savings


Our Coverdell Education Savings account is perfect for starting to save for your childrens' education! This account is available to anyone under 18, and the interest is tax-free as long as it is spent for education purposes! Anyone can contribute, and contributions can total up to $2000 annually! Best of all, there's no minimum balance, and no set-up or administration fees.