Skip to content
double exposure of businessman hand drawing virtual chart business on touch screen computer

Investment Accounts

Check out our CD and IRA accounts to see how they help you reach your financial goals.

Certificate of Deposit

Have longer-term goals? Or do you simply want to earn more on your savings? Either way, a Certificate of Deposit from ONE AMERICAN BANK, with multiple terms that suit your goals, will get you there.

Start earning interest today without having to worry about maintenance fees that limit your returns. Just lock your fixed rate and watch your savings grow!


  • Multiple terms available, ranging from 3 months to 5 years
  • Fixed interest rates — higher than regular savings
  • A lower-risk investment
  • No maintenance fees
  • Substantial penalty for early withdrawal
  • Refer to Rate Sheet for minimum deposit to open
  • FDIC insured


Individual Retirement Accounts

We know you’ve worked hard—make your earnings work even harder in the future. Much more than saving for a rainy day, an IRA from ONE AMERICAN BANK is a safeguard for your golden years.

Enjoy peace-of-mind with competitive interest that grows with you — year after year. With two options that both offer significant tax benefits,* you simply can’t go wrong.


  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply
  • Additional “catch-up” contribution allowed for ages 50+ (see current contribution limits from the IRS)
  • Early withdrawals may be subject to penalty
  • $50 minimum deposit to open
  • Funds can be used to purchase Certificates of Deposit (CDs) within IRA
    • See CD minimum deposit requirements.


*Consult a tax advisor.

Traditional vs Roth

Compare Individual Retirement Accounts to determine which account type is best for you.

Traditional IRA
Roth IRA
Tax-Deductible Contributions
Tax-Deferred Growth
Tax-Free Withdrawals
Income Limit for 2023 Contributions
Deduction phases out for adjusted gross income between $116,000 and $136,000 (married filing jointly) or between $73,000 and $83,000 (single filer)
Eligibility phases out for adjusted incomes between $218,000 and $228,000 (married filing jointly) or between $138,000 and $153,000 (single filer)
Distributions required at age 73?
More Products & Services

Additional Personal Banking Services

ONE AMERICAN BANK offers an array of personal banking products and services. Unlock your financial freedom with our expanded range of personal banking products and services! 

Let's Connect

Our bankers are ready to focus on what matters most to you. Contact us to set up an appointment or stop by your nearest location.
Businessman talking on the phone