Certificates of Deposit  

CDs are FDIC insured and have a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate. At maturity, the CD can either be renewed or the money may be withdrawn together with the accrued interest. 

Individual Retirement Accounts (IRA)

IRAs provide individuals the opportunity to make potentially tax-deductible contributions for retirement. Kirkpatrick Bank offers FDIC insured CDs for your IRA. Consult with your tax advisor to see how this account may benefit you.

Health Savings Accounts (HSA)

HSAs allow an individual to save money, potentially tax-deferred, for medical expenses. We offer a debit card with this account to make payments to medical providers easier. Consult with your tax advisor to see how this account may benefit you. More information is available at treasury.gov.

Insured Cash Sweeps

Money Market Deposit Accounts available through a network of banks offer access to multi-million dollar FDIC insurance protection, while working directly with just one bank – the bank you know and trust​​​​​

Certificate of Deposit Account Registry Service (CDARS)

Certificate of Deposit accounts available through a network of banks offer access to multi-million dollar FCDIC insurance protection with terms ranging from 4 weeks to 5 years, while working directly with just one bank – the bank you know and trust.