Personal Banking

Madison Square–trusted by customers for over a century Put your money with the bank that customers have trusted for over 140 years. Personal service and value are still the tradition at Madison Square.


Certificates of Deposit & IRAs

Certificates of Deposit (CD) and Individual Retirement Accounts (IRAs) are a secure way to save money for the future. CDs are similar to savings accounts in that they are FDIC insured and virtually risk free. They are different in that the CD typically has a fixed term and fixed interest rate. CDs are intended to be held until maturity. Since withdrawals are usually restricted for the specified term of the CD we are able to offer some of the highest annual percentage yields (APY) of any of our deposit options.***

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*** If you need to withdraw money from your CD before maturity, you will be charged a penalty.

and NOW…..
At one time, most CDs paid a fixed interest rate until they reached maturity, but like many other products in today’s market, we also realize that our customers need choices and flexibility. CDs have become much more intricate. You may now choose short term, long term, bump CDs, no penalty CDs and CDs with varying special features attached to them. Madison offers many choices to fit your personal financial needs and help you attain your financial goal.

Click here for rates and terms currently offered