We Have the Right Product For You

Take advantage of our low opening deposit requirements and the guaranteed rate of return for the term of your CD. Learn about our Certificates of Deposit below. If you don't see what you're looking for on this list, or if you have additional questions, just give us a call at (716) 537-2264 or stop by one of our convenient locations.

Certificates of Deposit (CDs)

Despite what the skincare industry tells you, time can be your best friend. The same amount of money in a timed CD will earn greater returns than a savings account. And everyone needs a friend who pays them money! Bank of Holland offers competitive rates on CDs ranging from three months to five years. The rate is locked, and the funds are federally guaranteed. There's no risk and no wrinkles—just smooth saving.

CD Features

  • Earn greater interest than savings accounts

  • Rate locked for term

  • Terms from three months to five years

  • Penalty for early withdrawal

  • CD can be renewed at maturity

  • Risk-free investment option

  • $500.00 minimum deposit to open

  • FDIC insured (up to legal limits)

Individual Retirement Accounts (IRAs)

You can't wait to retire to go fishing, play tennis, travel, or just plain relax. You also can't wait to pay for it all. Start saving today so you can actually retire during your retirement. Bank of Holland offers tax-advantaged Traditional and Roth IRAs. We never charge annual or custodial fees. See us today; we'll guide you in a long-term relationship to build your financial security.

IRA Features

  • Tax-advantaged retirement savings

  • Competitive interest above standard savings rates

  • No setup or maintenance fees

  • Hassle-free rollover or transfer IRAs

  • $6,000.00 contribution limit per year

  • Additional $1,000.00 "catch-up" contribution allowed for ages 50+

  • FDIC insured (Up to the available limit)