Stronger together and the Bank of Holland is here to help!

The communities we serve are our number one priority. Starting Monday, March 23, 2020, we will initiate a Covid-19 relief program:

  • The Bank of Holland has created a temporary relief program for our loan customers who face hardship from Covid-19 matters. If you have been impacted by Covid-19, we are here to help. Please contact us at 1-716-655-4667 to speak with a representative of the Bank of Holland.
  • Through April 30, 2020, all early withdrawal penalties and fees for CDs/IRAs will be waived for any withdrawal.
  • All Bank of Holland ATM Transaction fees ($1.75) will be waived for our customers who may need to use a Non-Bank of Holland ATM now through April 30, 2020.Customer must present statement to have fees waived.

We are here to help and if you have any questions or need any additional help, please reach out to us at 1-716-655-4667

 Important Branch Access Changes Due to Covid-19. Please click here.

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CDs and IRAs

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 that pays them money! Bank of Holland offers competitive rates on CDs ranging from 3 months to 5 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 3 months to 5 years
  • Penalty for early withdrawal
  • CD can be renewed at maturity
  • Risk-free investment option
  • $500 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 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • FDIC insured (Up to the available limit)
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