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Investing in Tomorrow

If you’re looking for a better return on your investment over a longer period of time, a CD or IRA could be the answer. These are low-risk investment options that offer higher interest rates while you save for future plans such as retirement or your children’s education.

View our interest rates here.

Certificates of Deposit (CDs)

Earn higher dividends by keeping your savings deposited for a fixed length of time. A high-interest CD is an amount of money (usually at least $1,000) deposited for a specific length of time (often 6-48 months).

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Whether you’re saving for a special purpose or simply seeking a secure, FDIC-insured investment, our CDs can be tailored to your needs. We offer a wide range of terms and competitive rates.

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Individual Retirement Accounts (IRAs)

An IRA is a tax-advantaged, long-term savings account to help you save for retirement. Each year, you can deposit up to a certain amount of money until you reach retirement age and you begin making withdrawals.

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We can help you set up an IRA at an attractive rate.

  • Traditional IRA – generally, deposits and earnings are not taxed until they are distributed at retirement
  • Roth IRA – contributions are not tax-deductible but withdrawals are made tax-free if conditions are met
  • Simplified Employee Pension Plan (SEP) – a type of traditional IRA for small business owners and self-employed individuals
  • Coverdell Education Savings Account – tax-advantaged savings for college and certain elementary and secondary school expenses

Investment Services

Drawing on the experience and resources of Lumbee Guaranty Financial Services, you can get the help you need to achieve your investment objectives, from building and preserving wealth to sheltering your assets from taxes. We can tailor investment and retirement plans to fit your goals, lifestyle and risk tolerance.