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CDs, Money Markets and IRAs

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Certificates of Deposit

PCB’s Certificates of Deposit* offer guaranteed interest rates, terms from 3 months to 5 years and flexibility on how you receive your interest. You are sure to find a CD that meets your individual needs.


*Penalties are assessed on funds withdrawn from Certificates of Deposit prior to maturity.

Premier Money Market Checking

Our Premier Money Market account provides you with both higher interest rates and the flexibility to withdraw and deposit funds.


*Withdrawals in excess of 6 per month will result in a $1 fee.  

Individual Retirement Accounts (IRAs)

At PCB you can build your retirement savings with strength and stability with an IRA. IRAs give you tax advantages for long-term retirement savings.  An IRA from PCB is one of the safest ways to save for retirement.

  • Traditional IRA:  Funds are invested in a fixed or variable rate IRA which benefits from tax-deferred growth and possible tax-deductibility*  
  • Roth IRA:  A nondeductible account that features tax-free withdrawals for certain distribution reasons after a five year holding period
  • Education IRA:  A nondeductible account that features tax-free withdrawals for the specific purpose of a child's higher education expenses
  • Spousal IRA:  A Traditional or Roth established and funded for an individual by the spouse
  • Simple IRA:  Provides small business workers a smart and easy way to save for the future
  • SEP IRA:  A business retirement plan that gives an immediate tax break when contributing money into its employees’ tax-deferred IRAs
  • FREE Internet Banking, e-Statements, PCB Mobile, and PCB Line
  • Competitive interest rate
  • Terms from 6 months to 5 years**


*Consult a professional tax advisor for tax advice
**Penalties may be assessed on funds withdrawn from IRAs with no qualifying reason prior to maturity