Investment Products

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When it comes to saving for a secure retirement or making your money work harder for you in the short term, we’ve got an investment option that may be right for you.

**New Money CD Promotion**

13 Month – Certificate of Deposit – 0.60% APY***
18 Month – Certificate of Deposit – 0.75% APY***
22 Month – Certificate of Deposit – 0.90% APY***
30 Month – Certificate of Deposit – 1.00% APY***

*Opening deposit of new money not currently on deposit. All interest rates and APY’s stated are accurate as of November 4th, 2013. This is a limited time offer, with rates subject to change at any time without notice.  **Penalty for early withdrawal.  Minimum deposit and balance to earn Annual Percentage Yield is $1,000.00.  No additional deposits. ***APY = Annual Percentage Yield, which is effective 11/04/2013.

Certificate of Deposit – Our Certificate of Deposit offer guaranteed yields, flexibility, and the safety of FDIC insurance.  That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. Your investment is safe with RB&T because we are backed by the Federal Deposit Insurance Corporation for up to $250,000.00 per individual, making them as safe as any investment in the world.  Ask about our Interest Booster CD which affords you the opportunity for a one-time interest rate boost with our longer-term CD’s.  Just another way Regal Bank & Trust gives you the ability to take advantage of earning a higher market rate.

Individual Retirement Accounts – Start saving for retirement – it’s never too early! We offer Traditional and Roth retirement programs. You might be able to save on your present taxes with an IRA, by deducting your qualified contributions from your taxable income. Many Americans can deduct all or part of their IRA contributions from current income taxes. You may also be able to defer taxes until you retire and are in a lower tax bracket. The chart below shows you how much you may be able to save each year. If you are retiring, changing jobs, or anticipating withdrawing money from your employer’s retirement plan, you can avoid withdrawal penalties by transferring your assets into an IRA or another qualified plan.  Ask your employer for a “direct rollover” of your money into a new IRA account with us.

IRA Tax Savings Potential Chart
IRA Deductible Contribution Amount 15% Tax Bracket Savings 28% Tax Bracket Savings 31% Tax Bracket Savings 36% Tax Bracket Savings 39.6% Tax Bracket Savings
$500 $75 $140 $155 $180 $198
$1,000 $150 $280 $310 $360 $396
$2,000 $300 $560 $620 $720 $792
$2,250 $337 $630 $697 $810 $891
$4,000 $600 $1,120 $1,240 $1,440 $1,584

To find out more about our CD’s and IRA’s, contact one of our Customer Service Representatives at a branch nearest you.