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CDs and IRAs

Account Type More Info Terms Available Minimum to Open Minimum to Earn Stated Interest
Certificates of Deposit show/hide 30 & 60 Day
3-5 months
6-11months
> 12 months
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00


Single maturity, interest bearing time account that helps build savings for the holidays.

Account Features


  • Earns an attractive rate of interest
  • Guaranteed interest rate for the term of the deposit
  • Automatic renewal at maturity
  • Penalties for early withdrawal

To learn more, please contact a Financial Service Representative at any of our convenient locations.

Special Certificate of Deposit show/hide varies varies varies

Account Features


From time to time Simmons First offers special rates, with special term Certificates of Deposit.

To take advantage of our current CD special, please contact a Financial Service Representative at any of our convenient locations.

IRA show/hide 6 months
12 months
24 months
36 months
$100.00
$100.00
$100.00
$100.00
$100.00
$100.00
$100.00
$100.00


Individual Retirement Accounts

Account Features

Simmons First knows how important it is to plan for your retirement and long-range security. We provide a wide choice of retirement products and services designed to assist individuals, employees and businesses plan for long-term financial security.

To find out more, visit any of our convenient locations.

TRADITIONAL IRA
Your money is invested in a high-yield, fixed or variable rate CD.

SELF-DIRECTED IRA
Manage your investment with a wide range of choices, including stocks, bonds, government securities and mutual funds.

FULLY MANAGED IRA
Our knowledgeable investment specialists will design an investment program tailored to your specific goals.

SIMPLE IRA
The new Savings Incentive Match Plan for Employees provides small business workers a smart and easy way to save for the future.

ROTH IRA
The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.

SEP IRA
A Simplified Employee Pension Plan IRA is a business retirement plan that gives an employer an immediate tax break when contributing money into its employees' tax-deferred IRAs.

*Substantial penalty for early withdrawal. Minimum deposit required.