Capital City Bank
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Certificates of Deposit (CDs)

Certificates of Deposit (CDs) offer you an opportunity to earn a higher rate of return on a safe, secure investment. You can select from a wide range of Capital City Bank CDs, with maturities ranging from 14 days to 5 years. With full FDIC insurance coverage up to the maximum allowed by law, this might be the right investment option for you.
  • Fixed rate of interest for the term of the CD
  • Your CD can automatically renew
  • Grace period of 10 calendar days after maturity to withdraw funds without a penalty (14-day CD has a 3-day grace period)
  • Flexible interest payment options
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Three generations

Withdrawals prior to maturity may be subject to an early withdrawal penalty.

Click for current rates

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs) can be an important part of a savings plan to provide for a financially secure retirement. IRAs offer you important tax-savings advantages, including tax deferrals on interest earnings until withdrawal. Capital City Bank offers fixed rate IRA investments with terms from 3 months to 60 months for both Traditional and Roth IRAs. Please consult with your tax advisor regarding deductibility of contributions and other tax benefits.
  • Traditional IRAs allow you to defer taxes on your earnings until they are withdrawn. You are eligible for a Traditional IRA if you are under the age of 70-1/2 for the entire tax year and either you or your spouse had earned income within that year.

  • Roth IRAs allow you to accumulate assets for retirement purposes and certain other allowable distributions. The earnings on this account are tax-deferred and certain distributions are also tax-free.
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