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Individual Retirement account Certificates of Deposit (IRA CDS)

Let us help you reach your retirement goals with an IRA CD

IRA CDs offer a fixed interest rate, predictable return, and potential tax advantages.

Apply at a Branch

Visit your local branch for help choosing the retirement account that offers the best benefits for you.

Not in California?
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What is an IRA CD?

If you choose a CD for your IRA, you earn a guaranteed interest rate for a fixed term. Plus, you get the tax advantages of an IRA, and your money is FDIC insured. When your IRA CD matures, you can automatically renew it or transfer your balance into another retirement account and continue to let it grow.


Depending on balance
View today’s rates

Apply at a Branch
  • $100 minimum to open
  • Terms: 12 months
  • Fixed interest rate
  • $12 per plan annual feefootnote*
  • Make additional deposits of at least $100 throughout the 12-month term, which will earn the rate in effect when the account was opened or renewed, subject to contribution limitsfootnote1
  • Automatic renewal at maturity—10-day grace period
  • FDIC insuredfootnote2

Tell us where you live

Choose your state of legal residence. We can then give you information about the products and services available in your area.

Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.