We’re all about providing a brighter, more secure way to protect and grow your financial future. To get you started and keep you moving forward with your savings, we offer competitive rates on certificates of deposit (CDs) and individual retirement accounts (IRAs).

CDs are offered in multiple terms ranging from 3 to 60 months.* Individual Retirement Accounts (IRAs) & Simple Retirement Accounts (SRAs) range from 12 to 60 months.

* Some CD terms are also eligible for online account opening. Please see a branch for more details.

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You can open an eCD today!


Certificates of DepositIRA CD
Minimum to Open $500 $500
Service Charge(s) None None
Minimum Balance to Earn Interest $0.01 $0.01
Minimum Balance to Avoid Charges None None
Free Online Banking, Mobile App, eStatements


Investar Bank offers competitive rates on various certificates of deposit. CDs are offered in terms of 3, 6, 9, 12, 18, 24, 36, 48 and 60 months.

  • Minimum to open $500
  • Interest credited monthly
  • Penalty may apply for early withdrawal
  • Bump CDs available with $5,000 minimum opening balance

Simple Retirement Accounts (SRAs) are also available.

  • Minimum to open $500
  • Traditional savings IRAs (interest credited quarterly)
  • Term IRAs (interest credited monthly)
  • Penalty may apply for early withdrawal

To apply or learn more about CDs, IRAs and rates, visit a branch or apply online.
For more info, call 866.604.2006.