Monday, September 15, 2014
Certificates of Deposits / Individual Retirement Accounts IRAs

Certificates of Deposits

Investments can be scary. Did the CEO of your last stock purchase throw his wife a birthday party in Greece? Or did a major CPA firm help part of your portfolio cook the books? You can make a lot of money in the market, if you can do the homework and have the gumption to assume the risk. But even if you do the homework and have nerves of steel, you can still lose everything you invest. The market is complicated and always moving, sometimes up and sometimes down. Certificates of Deposit are a secure investment with flexible time commitments. You begin earning simple interest from the first business day of deposit. That interest may be drawn down before maturity without penalty. As with all banking deposits, The FDIC insures these funds. To see how much you could insure, see our web links.

There is a penalty for early withdrawal.
"The individual most accountable for your future financial welfare, is the one you see in the mirror today."
Kemberly Wardlaw from The Hawk and the Mouse - Saving for Retirement


Individual Retirement Accounts (IRAs)

IRAs are a great way to save for the future. We have Traditional, Roth and Educational IRAs available. You need to consult your tax advisor or read about IRAs in the IRS Publication 590., There could be possible taxes deferred with compounded interest earned.

There is a penalty for early withdrawal.
Alliance National Bank

Member FDIC

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s  accounts at an insured depository institution, including all non-interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of non-interest-bearing transaction accounts, visit:

To report lost or stolen ATM or Visa Debit Cards call us immediately at:
706-279-1600 or 1-877-461-2265 (toll free)
After hours or weekends call 1-800-500-1044

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