CDs and IRAs

GB&T combines the best in interest rates and products in our Certificates of Deposit (CD) and Individual Retirement Accounts (IRA). Our time deposit products are some of the best in a north Georgia bank. We’re proud to offer a combination of personal and business time deposits that can meet your needs.

Certificates of Deposit

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Flexibility of choice. That's the beauty of GB&T Certificates of Deposit (CD). With the array of maturity terms and very competitive interest rates we offer, you'll find a Certificate of Deposit that will work for you. And we do mean work. Once you open your CD, your premium rate is guaranteed for the term you've selected, no matter what market rates do. Visit our rates section for up-to-date deposit rates available at our north Georgia offices.

If you are a Premium Account holder, you qualify for premium CD rates. Monthly interest checks are available on most GB&T Certificates of Deposit.

Individual Retirement Account (IRA)

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Possibly the easiest-to-start retirement plan you'll find is an Individual Retirement Account (IRA). With an IRA you can deduct a portion of your wages from your taxable income, and defer taxes on the interest your IRA deposits earn until you're ready to retire, when your tax obligation is likely to be lower. We'll show you just how much you can invest each year. At age 59 ½, you'll be able to begin making withdrawals without interest penalty.

Two relatively new accounts - the Roth IRA and the Educational IRA - expand the options IRAs offer. While contributions to the Roth IRA are not tax-deductible, your interest earned is tax-deferred. The Educational IRA, for post-high school educational expenses, allows you to take tax-free distributions from the account after five successive tax years, when you meet certain criteria. Visit or call any one of our north Georgia bank offices for more information on these types of Individual Retirement Accounts.

Simplified Employee Pensions (SEP)

The SEP is a type of Individual Retirement Account set up to allow contributions by your employer, which may be considered a deductible expense for tax purposes. Because of the potential for legislative changes, we recommend that you sit down with a tax advisor to discuss your personal tax situation before initiating a Simplified Employee Pension plan. Then give us a call or come in to set one up.

“One of the services that I really like at GB&T is the Internet banking service they provide. It makes my life easier from both a personal and business standpoint.” Benny Sims, Southern Wall Systems, Gainesville, GA