John Silvia
John Bussey Silvia Vera

(678) 889-4541







(678) 889-4544







Personal Accounts


Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)

At the current time, we are accepting new Money Market/CD/IRA deposits from throughout the US.   

Certificates of Deposit

Earn a competitive rate and a guaranteed return without risk to your principal balance by investing in one of our CD products.  CDs are a safe and convenient way to save for your retirement, vacation, new home or college education.

  • Interest on CDs with a term of one year or longer is compounded quarterly and can be paid by check, deposited into another Quantum account or reinvested into your CD.
  • Interest rates are monitored weekly, assuring you competitive rates on all our CDs.
  • Your CD can automatically renew at maturity without any action required on your part.  No need to watch the calendar or contact Quantum.  We’ll take care of everything for you so your money will always be invested and working hard for you.
  • Terms range from 7 days to 5 years with low minimum deposit requirements.
  • Your CD can be used as collateral should you need to borrow money unexpectedly.
  • The FDIC offers an Electronic Deposit Insurance Estimator (EDIE).  EDIE allows you to calculate the insurance coverage at FDIC-insured institutions like Quantum National Bank. 

Click here for current rates. 

Are you worried about tying up money in a CD in this low rate environment?  Why not consider “laddering” your CDs?  By opening a series of longer term CDs at different times, you can have CDs coming due every month, every six months, every year or however often you desire.  This approach allows you to access your money on a regular basis with no penalty.  It also allows you to invest in different rate environments which may result in better returns than investing in savings, money market or a single CD.

Individual Retirement Accounts (IRAs)

Planning for retirement can be intimidating and confusing.  Quantum National Bank offers a variety of options along with specially trained experts to help determine which will be best for you:

  • Traditional
  • Roth
  • Coverdell Education Savings Account (CESA)
  • Simplified Employee Plan (SEP)

All Quantum National Bank IRAs feature:

  • FDIC Insurance
  • Competitive interest rates
  • No annual administrative or maintenance fee
  • Automated renewal option
  • Interest compounded quarterly

Traditional IRA

  • Investment grows on a tax-deferred basis
  • Earnings are taxed only upon withdrawal
  • Required distributions after age 70 ½
  • Annual contribution limit of $5,500 plus $1,000 catch-up contribution for those 50 years of age and olderAnnual limit applies to any combination of IRA plans other than the Education Savings Account.
  • Increases annually for inflation in $500 increments

Roth IRA

  • Contributions are not tax deductible but earnings grow tax-free
  • Must have earned income
  • No age restriction on contributions for those earning income
  • Qualified withdrawals may be tax-free
  • No required distribution after reaching age 70 ½
  • Annual contribution limit of $5,500 plus $1,000 catch-up contribution for those 50 years of age and older
  • Annual limit applies to any combination of IRA plans other than the Educational Savings Account

Coverdell Education Savings Account (CESA)

  • Contributions are not tax deductible but earnings grow tax-free
  • Designated beneficiary must be an individual under the age of 18.Annual contribution limit is $2,000 per beneficiary.
  • Age limitation does not apply to any designated beneficiary with special needs

Simplified Employee Plan (SEP)

  • Self-employed business owners
  • Eligible businesses are:
    • Sole Proprietorships
    • Partnerships, unincorporated or incorporated, including sub-S corporations
    • Investments grow tax deferred until withdrawal

Click here for everything you need to make the switch to Quantum National Bank.

505 Peachtree Industrial Blvd. Suwanee, GA 30024 | 770-945-8300 (phone) | 770-945-4888 (fax)
2905 Bethany Bend, Milton, GA 30004 | 678-889-4700 (phone) | 770-667-6475 (fax)
3438 Peachtree Road, Atlanta, GA 30326 | 678-889-4540 (phone) | 770-904-3477 (fax)
After hours/weekend number to report lost or stolen debit cards: 800-791-2525

©2010 Quantum National Bank. All rights reserved