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Retirement Plans

18 Month Statement IRA CD Special – Additional Information

*Annual Percentage Yield (APY) effective as of Sunday, April 14, 2024.
Minimum Balance to Open Account & Obtain APY $500.
IRA Certificate of Deposit rates are guaranteed for the term of the CD. Early withdrawal penalties may be imposed.
Fees and other restrictions may be applied and could reduce earnings.

Your Retirement, Your Terms

  • Any Winter Hill Bank CD term can be opened as an IRA CD
  • Or you can open an 18 month Statement IRA CD which allows deposits at any time up to the maximum IRS limitation and the rate is guaranteed during the term.

Savings Rate Chart

An Individual Retirement Account (IRA) is an essential component of a complete retirement plan. An IRA offers savings that are tax-deferred until you withdraw them, which is typically after retirement when your tax obligation may be lower.


  • Traditional IRAs
  • Roth IRAs
  • SEPs (Simplified Employee Pension)
  • Education IRAs


  • Fixed rates
  • Low minimum balances
  • Tax benefits (Consult your tax advisor for specific information)

View a comparative chart of all our IRA products.


For more information please contact our Customer Service Department at 800-444-4300.