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Growth for the Future!

Start saving for your future today with Time Federal Savings Bank! Whether you are saving for college or retirement our CDs, IRAs and CDARS accounts offer multiple ways to save in order for you to live the life you want! Our knowledgeable bankers will help you understand each option so that you make the right decision for your future financial goals.


Certificates of Deposit

Safe, secure and flexible, our fixed rate certificates of deposit are a great way to grow your wealth. They renew automatically at maturity, and can also be used as IRAs. Our CDs offer competitive rates*, a wide range of terms and are protected by FDIC insurance.

Stop by a Time Federal Savings Bank office in Wisconsin Rapids, Stevens Point or Baraboo today to open your CD account.

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*There may be a penalty for early withdrawal of principal balances from CDs. They are:

CDs less than 3 months - All simple interest earned if balances were not on deposit until maturity

CDs 3 months to 364 days - 3 months interest

CDs 1 year and less than 24 months - 6 months interest

CDs 24 months and greater - one-half of the interest that would be earned for the full term of the CD

All deposits are FDIC insured (up to $250,000 per customer). You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. In addition, Federal law provides up to $250,000 in deposit insurance coverage for self-directed retirement accounts, such as Individual Retirement Accounts (IRAs). For additional information you may call the FDIC at 1-877-275-3342 or access information at www.fdic.gov. Fees could reduce your earnings. For additional account information, please refer to our account rules or disclosures.

Be ready for retirement!

We offer both Traditional IRAs and Roth IRAs, as well as IRA CDs and IRA Savings accounts to help you maximize tax benefits and save the right way for retirement. Each type of retirement account has different tax advantages, so be sure to consult your tax advisor when selecting a retirement account.

Stop by a Time Federal Savings Bank office in Wisconsin Rapids, Stevens Point or Baraboo today to open your IRA account.

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Receive complete FDIC protection for your larger deposits through Time Federal Savings Bank’s Personal Certificate of Deposit Account Registry Service, or CDARS. This program offers additional protection on CD deposits over $250,000.

CDARS takes the work out of managing large deposits over the FDIC maximum insurance limit. When you have a CD deposit greater than $250,000, we invest those in CDs at other banks. We handle all the paperwork on our end, so to you it still looks like one CD with a competitive rate and terms ranging from 3 months to 5 years.

Stop by a Time Federal Savings Bank office in Wisconsin Rapids, Stevens Point or Baraboo today to open your CDARS account.

View Locations and Hours

How CDARS Works

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