CDs and IRAs

TFNB is your independent, family-owned community bank, and you can trust us to take care of you and your money today and tomorrow. Rolling over your 401K assets into an IRA is an excellent way to take charge of your retirement funds.

We offer CD’s for those who are looking for higher returns. The interest rates are fixed for the term of the CD. The interest is calculated daily and compounded monthly, quarterly or semi-annually. The interest may be reinvested, paid to the customer by check, or credited to a checking, savings, or money market account. Select the interest rate and term that is best suited for your savings objectives with our broad selection of CD options. We offer terms from 30 days to 60 months. CD’s are automatically renewable and there is a grace period for withdrawal or deposit without penalty at the time of renewal. Early withdrawals will be subject to penalty. Fees may reduce earnings. 

Our friendly, knowledgeable employees can walk you through everything you need to know before making your decision. We will take the time to understand your needs and answer your questions.


Certificates of Deposit

30 Day Certificate $500 Minimum Opening Deposit
3 Month Certificate $500 Minimum Opening Deposit
6 Month Certificate $500 Minimum Opening Deposit
12 Month Certificate $500 Minimum Opening Deposit
18 Month Certificate $500 Minimum Opening Deposit
24 Month Certificate $500 Minimum Opening Deposit
30 Month Certificate $500 Minimum Opening Deposit
36 Month Certificate $500 Minimum Opening Deposit
60 Month Certificate $500 Minimum Opening Deposit

*Interest Rates for these accounts will be listed on the Interest Rates page.


Individual Retirement Account

12 Month Certificate $500 Minimum Opening Deposit
18 Month Certificate $500 Minimum Opening Deposit
30 Month Certificate $500 Minimum Opening Deposit
36 Month Certificate $500 Minimum Opening Deposit

*Interest Rates for these accounts will be listed on the Interest Rates page.


  • Member FDIC