Plan for Long-Term Savings

What type of savings vehicle?

  Not sure which solution is right for you?

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Certificate of Deposit

A savings account with a fixed interest rate for 13 or 25 months. More details about Certificate of Deposit

Open Now Certificate of Deposit

Traditional IRA

A flexible, pre-tax and tax deductible retirement program. More details about Traditional IRA

Open Now Traditional IRA

Roth IRA

A flexible, non-deductible, after tax retirement program. More details about Roth IRA

Open Now Roth IRA

The Central Trust Bank operates under the brand names Central Bank, Jefferson Bank, and Bank Central.
Accounts under these brands are combined for FDIC Insurance coverage.


To apply online, you must be 18 years or older, a U.S. citizen or resident alien, and have a U.S. address. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account or apply for a loan, we will ask for your name, physical address, date of birth, Social Security Number, and other information that will allow us to identify you. We may also ask for a copy of your driver's license or other identifying documents. We reserve the right to deny an application from a person residing outside of our trade area.