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CD's and IRA's

Ready to start that nest egg for retirement? First Bank of Dalton has the right products to fit your saving needs.

Certificates of Deposit

For longer term investments with higher yields, open a certificate of deposit. Ask one of our bankers to design a CD that fits your needs today.

Variety of terms and maturities available
$500 minimum to open
You choose when interest is paid (monthly, quarterly, semi-annually or at maturity)

Individual Retirement Accounts (IRAs)*

Let us help you as you plan your family's future with an IRA. An IRA account is a savings program that allows you to set aside money for retirement, and your children's education. We offer several IRA options to meet your retirement and educational savings goals.

Variety of terms and maturities available
Traditional, Roth and Coverdell (Educational Savings) accounts are available

Traditional Individual Retirement Account

Make investments that will grow tax-deferred until you remove money from your account. Your contributions to a Traditional IRA may be tax-deductible depending on your participation in a workplace retirement plan and certain income limitations.

Roth Individual Retirement Account

If you do not exceed certain income limits, a Roth allows you to invest money by making non-deductible contributions that grow tax-free. You can make those investments whether you are covered by an employee-sponsored retirement plan or not. Working taxpayers and non-working spouses of any age may be eligible to open and contribute to a Roth IRA.

Coverdell Education Savings Account (ESA)

If you are wondering how you will pay for your child's education, a Coverdell ESA can be a smart way to save. Your withdrawals are tax-free if used for tuition, books, and other qualified higher-education expenses.

*Consult your tax professional for details on how an IRA will affect your tax liability.

To report a lost or stolen Visa check card or ATM card during non-banking hours, please call 1-800-500-1044. To report a lost or stolen Visa credit card call 1-800-423-7503.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.