--- title: ONE AMERICAN BANK - Personal - Investments description: Reach your financial goals with our CD and IRA accounts. Open a CD to earn higher interest rates and watch your savings grow. --- [Skip to content](https://oneamericanbank.com/personal/investments#main-content) ![FDIC-Insured - Backed by the full faith and credit of the U.S. Government](https://oneamericanbank.com/hubfs/23426461/FDIC.png) FDIC-Insured - Backed by the full faith and credit of the U.S. Government - [Log in](https://oneamericanbank.myebanking.net/#/login) - [New User](https://oneamericanbank.myebanking.net/#/self-registration) [Close ](https://oneamericanbank.com/personal/investments#) - Personal - [Checking](https://oneamericanbank.com/personal/checking) - [Savings](https://oneamericanbank.com/personal/savings) - [CD and IRA](https://oneamericanbank.com/personal/investments) - [Lending](https://oneamericanbank.com/personal/lending) - [Health Savings Account](https://oneamericanbank.com/personal/health-savings-account) - Digital Banking - [Online Banking](https://oneamericanbank.com/digital-banking/online-banking) - [Mobile Banking](https://oneamericanbank.com/digital-banking/mobile-banking) - [Cash Management](https://oneamericanbank.com/digital-banking/cash-management) - [e-Statements](https://oneamericanbank.com/digital-banking/e-statements) - [Personal Financial Management](https://oneamericanbank.com/digital-banking/personal-financial-management) - Business - [Checking](https://oneamericanbank.com/business/checking) - [Savings](https://oneamericanbank.com/business/savings) - [Ag Lending](https://oneamericanbank.com/business/ag-lending) - [Business Lending](https://oneamericanbank.com/business/lending) - Rates - [CDs](https://oneamericanbank.com/rate/cd) - [Checking](https://oneamericanbank.com/rate/checking) - [Savings](https://oneamericanbank.com/rate/savings) - [Card Services](https://oneamericanbank.com/card-services) - About - [Our Story](https://oneamericanbank.com/about) - [Careers](https://oneamericanbank.com/careers) - [Contact](https://oneamericanbank.com/contact) - Resources - [Online Security](https://blog.oneamericanbank.com/online-security) - [Financial Calculators](https://oneamericanbank.com/financial-calculators) [ LOGIN ](https://oneamericanbank.myebanking.net/#/login) [ Sign Up ](https://oneamericanbank.myebanking.net/#/self-registration) [ SEARCH ](https://oneamericanbank.com/personal/investments#) [![logo](https://oneamericanbank.com/hs-fs/hubfs/oab-full-color-horz@2x.png?width=550&height=164&name=oab-full-color-horz@2x.png "logo")](https://www.oneamericanbank.com/?hsLang=en) - Personal - [Checking](https://oneamericanbank.com/personal/checking) - [Savings](https://oneamericanbank.com/personal/savings) - [CD and IRA](https://oneamericanbank.com/personal/investments) - [Lending](https://oneamericanbank.com/personal/lending) - [Health Savings Account](https://oneamericanbank.com/personal/health-savings-account) - Digital Banking - [Online Banking](https://oneamericanbank.com/digital-banking/online-banking) - [Mobile Banking](https://oneamericanbank.com/digital-banking/mobile-banking) - [Cash Management](https://oneamericanbank.com/digital-banking/cash-management) - [e-Statements](https://oneamericanbank.com/digital-banking/e-statements) - [Personal Financial Management](https://oneamericanbank.com/digital-banking/personal-financial-management) - Business - [Checking](https://oneamericanbank.com/business/checking) - [Savings](https://oneamericanbank.com/business/savings) - [Ag Lending](https://oneamericanbank.com/business/ag-lending) - [Business Lending](https://oneamericanbank.com/business/lending) - Rates - [CDs](https://oneamericanbank.com/rate/cd) - [Checking](https://oneamericanbank.com/rate/checking) - [Savings](https://oneamericanbank.com/rate/savings) - [Card Services](https://oneamericanbank.com/card-services) - About - [Our Story](https://oneamericanbank.com/about) - [Careers](https://oneamericanbank.com/careers) - [Contact](https://oneamericanbank.com/contact) - Resources - [Online Security](https://blog.oneamericanbank.com/online-security) - [Financial Calculators](https://oneamericanbank.com/financial-calculators) ## You’re about to leave the ONE AMERICAN BANK website. By clicking **Continue**, you will be leaving the Bank’s website.  The website is hosted by a third party, and may have different privacy and security settings.  Please take the time to review their policies.  ONE AMERICAN BANK does not endorse and is not responsible for the products, services, content, links, privacy policy, or security policy of this website.  Click **Cancel** to close this window and stay on the Bank’s website. Continue Cancel https://www.deluxe.com/https://www.moneypass.com/https://www.facebook.com/OneAmericanBankhttps://www.linkedin.com/company/one-american-bankhttps://apps.apple.com/us/app/one-american-bank/id1279796050?ls=1https://play.google.com/store/apps/details?id=com.csiweb.digitalbanking.bk0697https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits ![double exposure of businessman hand drawing virtual chart business on touch screen computer](https://oneamericanbank.com/hs-fs/hubfs/double%20exposure%20of%20businessman%20hand%20drawing%20virtual%20chart%20business%20on%20touch%20screen%20computer.jpeg?width=300&name=double%20exposure%20of%20businessman%20hand%20drawing%20virtual%20chart%20business%20on%20touch%20screen%20computer.jpeg) # Investment Accounts ##### Check out our CD and IRA accounts to see how they can help you reach your financial goals. [Open a CD](https://accountopening.oneamericanbank.com) CDs ## 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! **Features:** - 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 [Open CD](https://accountopening.oneamericanbank.com) #### Try Our Investment Calculators - [What will my investment be worth in the future?](https://oneamericanbank.com/financial-calculators/investment-financing/what-will-my-investment-be-worth-in-the-future?hsLang=en) - [What is my investment yield?](https://oneamericanbank.com/financial-calculators/investment-financing/what-is-my-investment-yield?hsLang=en) IRAs ## 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. **Features:** - 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](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits) from the IRS) - Early withdrawals may be subject to penalty - $2,500 minimum deposit to open - Funds can be used to purchase Certificates of Deposit (CDs) within IRA - See CD minimum deposit requirements. [Contact Us](https://oneamericanbank.com/contact?hsLang=en)   *Consult a tax advisor. #### Try Our Retirement Calculators - [Which is better for me, a Traditional IRA or a Roth IRA?](https://oneamericanbank.com/financial-calculators/retirement-financing/which-is-better-for-me-a-traditional-ira-or-a-roth-ira?hsLang=en) - [How much will my Traditional IRA be worth at retirement?](https://oneamericanbank.com/financial-calculators/retirement-financing/how-much-will-my-traditional-ira-be-worth-at-retirement?hsLang=en) - [How much will my Roth IRA be worth at retirement?](https://oneamericanbank.com/financial-calculators/retirement-financing/how-much-will-my-roth-ira-be-worth-at-retirement?hsLang=en) ## Traditional vs Roth Compare Individual Retirement Accounts to determine which account type is best for you. Traditional IRA Roth IRA Features 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? [Contact Us](https://oneamericanbank.com/contact?hsLang=en) [Contact Us](https://oneamericanbank.com/contact?hsLang=en) 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!  [Checking Checking accounts designed with you in mind. Learn More ](https://oneamericanbank.com/personal/checking?hsLang=en)[Savings Start earning more on your money. Learn More ](https://oneamericanbank.com/personal/savings?hsLang=en)[Lending From vehicle repairs, to family vacations, we are there for you. Learn More ](https://oneamericanbank.com/personal/lending?hsLang=en)[Health Savings Account An HSA offers you the freedom to use your funds for any number of medical expenses. Learn More ](https://oneamericanbank.com/personal/health-savings-account?hsLang=en) ### 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. [Contact Us](https://oneamericanbank.com/contact?hsLang=en) ![Businessman talking on the phone](https://23426461.fs1.hubspotusercontent-na1.net/hub/23426461/hubfs/Businessman%20talking%20on%20the%20phone.jpeg?width=300&name=Businessman%20talking%20on%20the%20phone.jpeg) [![oab-white-horz@2x](https://23426461.fs1.hubspotusercontent-na1.net/hub/23426461/hubfs/oab-white-horz@2x.png?width=250&name=oab-white-horz@2x.png)](https://www.oneamericanbank.com/?hsLang=en) Routing Number: **091401553** NMLS Number: **421860** Phone: **605-361-1010** ![member-fdic-equal-housing](https://oneamericanbank.com/hs-fs/hubfs/member-fdic-equal-housing.png?width=110&height=45&name=member-fdic-equal-housing.png) - Legal - [Privacy Notice](https://oneamericanbank.com/privacy-policy) - [Terms of Use](https://oneamericanbank.com/hubfs/23426461/documents/Terms-of-Use-fixed.pdf) - [CRA Public File](https://oneamericanbank.com/hubfs/documents/CRA%20Public%20File_2026_v3.pdf) - Online Banking - [Log in](https://oneamericanbank.myebanking.net/#/login) - [New User](https://oneamericanbank.myebanking.net/#/self-registration) - [MyCard Statement](https://www.mycardstatement.com/#/) - Resources - [Careers](https://oneamericanbank.com/careers) - [Online Security](https://blog.oneamericanbank.com/online-security) - Useful Links - [Financial Calculators](https://oneamericanbank.com/financial-calculators) - [Order Checks](https://www.deluxe.com/) - [Find an ATM](https://www.moneypass.com/) © 2026 ONE AMERICAN BANK. 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