Business Banking · Self-Directed Retirement and IRA · Investments


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Promissory Note

Central Bank can hold unsecured notes, notes secured by real estate, or convertible notes to non-publicly traded stock.  IRS-disallowed party restrictions apply.

Real Estate

This can be bare ground, developed or non-developed, or a rental property such as a rental home, apartment, complex, or unit.  Central Bank requires the property to be 100% owned by a Central Bank Self-Directed IRA or Retirement Plan.  IRS-disallowed party restrictions apply.


Memberships in Limited Liability Companies (LLCs) or Limited Partnerships (LP) are allowed to be held in a Central Bank, Self-Directed Retirement Account with certain limitations.

Mutual Funds

Long Term Investments in publicly traded mutual funds are allowed, but not encouraged as the main assets in the account. As accounts with non-publicly traded assets are our main focus, we realize at times there may be additional cash in the account that needs to be working in between non-publicly traded investing.

Privately Held Stock

Investments in privately held stock are allowed to be held in a Central Bank, Self-Directed Retirement Account as long as it is a C-corp. The IRS does not allow investments into S-corps. IRS disallowed party restrictions apply.

Money Market and Certificate of Deposit Accounts

Central Bank Money Market Accounts and Central Bank Certificate of Deposit (CD) are the two options available to hold residual cash in your account. There are benefits to both types of accounts.


Investments have no guarantee, may lose value, and are not FDIC insured.