CDs and IRAs

Enjoy highly competitive rates with a wide selection of safe, secure CDs and IRAs.

Certificate of Deposit (CD)

With terms ranging from one week to several years, our CDs offer a guaranteed yield at a rate usually higher than those of savings or money market accounts. CDs are subject to penalty for early withdrawals. Penalty will reduce earnings.


Individual Retirement Accounts (IRA)

Individual Retirement Accounts are a sensible investment addition to your retirement strategy, typically providing significant tax advantages. Please consult your tax advisor or accountant regarding any tax-related decisions.

Yadkin Bank offers a variety of IRA options, including:

  • Traditional
  • Roth
  • SEP
  • Coverdell

Let us help you determine which type is right for you.
Distributions from an IRA before the age of 59½ may be subject to an IRS early withdrawal penalty.


Financial Calculators

We've provided some helpful retirement calculators to aid in you needs.

View Calculators

CDARS®, the Certificate of Deposit Account Registry Service®

Yadkin Bank customer deposits are insured up to the maximum FDIC limits.  In addition, our customers may increase their protection by setting up their accounts in different FDIC-approved ownership categories.

FDIC EDIE Estimator:

For a helpful tutorial on “Maximizing Your FDIC Insurance Coverage,” click here.

However, there are situations in which customers with significant deposits may need to involve multiple banks to achieve 100% coverage for their funds. If you prefer the convenience of working with a single bank along with the security of total FDIC protection, CDARS provides an effective solution.

As a member of the CDARS network, we place your deposits in CDs issued by other members of the network in amounts below the standard FDIC insurance maximum, giving you access to coverage from many banks with our bank as your sole contact. You earn one uniform interest rate per maturity and receive one regular statement listing all of your CDs. For details, please contact any of our branch locations.

Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.





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