Certificates of Deposit and Retirement Accounts

Sunshine Certificates of Deposit (CD)

Our Certificates of Deposit offer flexible term options competitive interest rates to allow you to keep your finances as liquid as you choose. Earn a fixed rate for the life of the CD with automatic renewal, and take advantage of automatic renewal and FDIC insurance.1

Sunshine Individual Retirement Account (IRA)

Watch your savings multiply while you count down to retirement. Take advantage of potentially tax-free or tax-deferred Sunshine Individual Retirement Accounts - Traditional or Roth - with competitive interest rates. (Please consult your tax advisor for advice.)

Compare CDs and IRAs

Minimum Opening Deposit Requirement



Minimum Balance Requirement

 $1,000 to Earn Annual Percentage Yield

 $400 to Avoid Fees

Monthly Maintenance Fee
(if minimum balance not met)

 N / A


Terms of CD or Interest Structure
(call for rate information)

 3 – 11 Month
12 – 23 Month
24 – 35 Month
36 – 47 Month
48 – 59 Month
60 Month

$0 - $2,499
$2,500 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 - above 

Early Withdrawal Penalties



CalculatorRetirement Calculators

View our retirement calculators to help answer your financial questions:


1 Insured to the maximum allowed by the law. Please read About FDIC Insurance (link to page) for more information.
2 There may be certain tax consequences, depending on the type of IRA you open, for withdrawing money from your account.

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