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CDS & IRAS

At Manasquan Bank, we give you the power to really save with a number of exceptional wealth building tools to choose from. Grow your money safely, securely, and with local service every step of the way. We offer short to long-term options with plenty of flexibility as well as competitive rates.

IRS Extends Contribution Due Dates for IRAs and HSAs to May 17, 2021:

  • Due to the ongoing COVID-19 pandemic, the IRS has announced in a news release that it is moving the 2020 federal income tax filing deadline from April 15, 2021 to May 17, 2021. All taxpayers will automatically have this additional time to file and make payments without interest or penalties. IRA and HSA contributions can be made for a year at any time during the year up to the deadline for filing the federal income tax return for that year. Therefore, the deadline for making 2020 IRA and HSA contributions is also moved to May 17, 2021.
  • The change to federal tax due dates does not affect state tax filing or payment due dates unless a state's due dates are tied by law to the federal deadlines or a state acts to change its due dates.

For more information, please click here.

Certificate of Deposit (CD)

Manasquan Bank offers many safe, secure CD options with highly competitive interest rates and terms ranging from 30 days to 7 years. Click here to see today’s terms and rates.

Special Certificate of Deposit (CD) Programs

  • Homebuyer CD: Working towards purchasing a home? We can help you along the way with a Homebuyer CD. Choose a 1- to 3-year term then automatically transfer at least $25 a month from your Manasquan Bank checking account. We’ll even credit $100 towards your mortgage application fee when you close on your home loan with us.
  • Easy Add CD: Add to your investment at any time! Open a 1-year certificate of deposit then automatically transfer at least $25 each month from your Manasquan Bank checking account.

Individual Retirement Account (IRA)

Manasquan Bank gives you security and competitive rates with our IRA offerings. A Traditional IRA is a Federal Government-authorized savings plan designed to help you accumulate tax-deferred funds for your retirement. Roth IRA, contributions are non-deductible but all withdrawals, including earnings, are tax-free if the account has been open for five years and the account holder is at least age 59 ½. Click here to see today’s terms and rates.

We also offer the following special 18-Month IRA Certificates:

  • Steady Earner: With a strong rate of return, this IRA certificate will steadily increase your balance. Deposits of $25 or more are permitted at any time.
  • Market Pacer: An easy way to get started saving for retirement with a low opening balance of $25 and a strong variable market rate. Deposits of any amount can be made at any time.

Coverdell Educational Savings Account

Manasquan Bank helps you finance education with our Coverdell Education Savings Account. While contributions to this account are not tax-deductible, you’ll enjoy tax-deferred earnings and tax-free distributions for qualified educational expenses for kindergarten through 12th grade, college, or trade school.

Manasquan helps you finance education with our Coverdell Education Savings Account. While contributions to this account are not tax-deductible, you’ll enjoy tax-deferred earnings and tax-free distributions for qualified educational expenses for kindergarten through 12th grade, college, or trade school.

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