CDs & IRAs

Let us help you make your future brighter by helping you save with our Certificates of Deposit or Individual Retirement Accounts.

Certificates of Deposit

A Home State Bank Certificate of Deposit is a great way to invest in your future. We can help you choose a term that works best for you with competitive rates to help you achieve your financial goals. Contact us for additional Certificate of Deposit product information. See our current rates.

Retirement Accounts

Live the way you want in retirement. Home State Bank can work with you to start a savings plan for your retirement. We offer Traditional IRA's, Roth IRA's and SEP Plans. Contact us to find out more about our Individual Retirement Account options. See our current rates.

Traditional IRA's and SEP's

Contributions into these types of accounts may allow you to deduct your contribution, reduce your current income taxes and offer tax-deferred earnings*. Each of these accounts have different contribution limits that will allow you to save as much as you can this year for your future retirement.

Roth IRAs

Roth IRA's are nondeductible accounts that feature tax-free withdrawals for certain distribution reasons after a five-year holding period*. Roth IRA's have many special benefits that distinguish themselves from Traditional IRA's and SEP's.

*Other terms and conditions apply. Please consult a tax accountant for full details.


If you have any questions about any of the services we offer, please call us at 877-474-5511 or 712-933-5511, Email us, or stop in to see us during normal business hours.


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