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Cogent Bank

CDs & IRAs

Individual Retirement Account (IRA)

 
  • Set aside money for retirement
  • Deposits can be tax-free or tax-deferred
  • Flexible Certificate of Deposit options to meet your needs

stacks of coins from smallest to largest leading to an hour glass.

Certificates of Deposit


Use a certificate of deposit as a low-risk savings solution with a fixed interest rate. No monthly service charge, and your can open an account with only $1,000.
 
  • Fixed rates for guaranteed returns
  • Maturities available from 7 days to 5 years
  • Earnings compounded daily, credited monthly