Certificates & retirement

Give your savings a longer runway.

Regular, Jumbo and IRA CD terms are available from 6 to 60 months. Current percentage rates and APYs are available from your Olive Trust Capital location.

CD / IRA term	Availability	Current rate
6 months	Regular • Jumbo • IRA	Contact branch
12 months	Regular • Jumbo • IRA	Contact branch
24 months	Regular • Jumbo • IRA	Contact branch
36 months	Regular • Jumbo • IRA	Contact branch
60 months	Regular • Jumbo • IRA	Contact branch

Rates and APYs are not displayed in this redesign because Olive Trust Capital's current site directs customers to a branch for current percentage rates and APY.

Traditional IRA

Tax-deferred retirement savings

Traditional IRAs use before-tax earnings and generally defer taxes until qualified withdrawals.

Contributions

Contribution limits and eligibility are governed by IRS rules and can change by tax year.

Withdrawals & penalties

Olive Trust Capital's published information describes qualified withdrawals and exceptions to the 10% early-withdrawal penalty. Confirm current rules with a tax professional.

Roth IRA

Tax-free qualified withdrawals

Roth IRAs are funded with after-tax earnings, with qualified withdrawals generally tax-free.

Contributions

Eligibility and annual contribution limits depend on IRS rules and adjusted gross income.

Withdrawals & penalties

Qualified withdrawals can be tax-free; early distributions may be subject to taxes or penalties depending on circumstances.