PERSONAL-LEND CERT-OF-DEP TRUST-AND-INVEST
Personal Banking
SAVINGS ACCOUNTS
Regular Savings Pre-authorized transfers are limited to six per statement.
Money Market A savings vehicle that allows you to gain interest and has check writing ability. Pre-authorized transfers are limited to six per month.
Youth Savings Designed for individuals of age 20 or younger. Pre-authorized transfers are limited to six per month.
Holiday Club At First National Bank of South Miami, we offer a Holiday Club account to help you save money for the holidays or any other special events such as a vacation. You can even use it to pay your property taxes! Start your Holiday Club account with as little as $5.00 and add to it as often as you like. You will receive a coupon book to use to make your deposits. At the end of October, we will mail you your check for the balance of the account.

Start Saving Today!  Click here to have a personal banker contact you.

CERTIFICATE OF DEPOSITS (CDs)
Regular CDs require a minimum opening deposit of $2,500.
Jumbo CDs require a minimum opening deposit of $100,000 and offer higher interest rates.
Youth CDs are designed for individuals of age 20 or younger. The minimum opening deposit is $500. If under the age of 18, a parent or guardian must co-sign the account documentation.
Open a CD today! Click here to have a personal banker contact you.
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
Traditional IRAs allow you to defer taxes on the earnings on your contributions until they are withdrawn.  Also, certain contributions are tax-deductable in the tax year for which they are made.
Money Market IRA you can earn interest while having access to your funds, under the IRA limitations.
Regular IRA CD require a minimum opening deposit of $2,500.
Jumbo IRA CD require a minimum opening deposit of $100,000 and offer high interest rates.
Roth IRA allow only non-deductable contributions and feature tax-free withdrawals for certain distribution reasons after a five-year holding period. Qualified distributions of earnings from a ROTH IRA are not subject to federal income taxes.  We offer various terms for traditional or ROTH IRAs.
Consult your tax advisor about deductibility of contributions and other tax benefits of IRAs.
Get started with an IRA today! Click here to have a personal banker contact you.
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