INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
CDs offer a predictable return in exchange for holding your deposit. We offer a choice of IRA CD terms, with fixed interest rates and potential tax advantages to help you achieve your retirement goals. When your IRA CD matures, you can automatically renew it, or transfer your balance into another retirement account and continue to let it grow.
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Premium IRA Certificate of Deposit | Flexible IRA CD | IRA Add-On CD |
---|---|---|
Apply at a Branch Learn More | Apply at a Branch Learn More | Apply at a Branch Learn More |
Features & Benefits | ||
A fixed interest rate with a variety of terms up to 24 months | A fixed interest rate over longer terms | A fixed interest rate with the ability to make additional deposits |
Minimum to open | ||
$100 | $100 | $100 |
Annual fee* | ||
$12 per plan | $12 per plan | $12 per plan |
Terms | ||
91 days to 24 months | 12 to 60 months | 12 months |
Interest rate | ||
Fixed | Fixed | Fixed |
Deposits1 | ||
Make additional deposits at maturity, subject to contribution limits | Make additional deposits at maturity, subject to contribution limits | 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 limits |
Other Features | ||
Automatic renewal at maturity, with a 10-day grace period | Automatic renewal at maturity, with a 10-day grace period | Automatic renewal at maturity, with a 10-day grace period |
Annual Percentage Yield (APY) | ||
0.02% - 0.15% APY* Depending on balance and term Annual Percentage Yield (APY) is accurate as of 03/08/2021 View Rates |
0.05% - 0.25% APY* Depending on term Annual Percentage Yield (APY) is accurate as of 03/08/2021 View Rates |
0.05% APY* Depending on Balance Annual Percentage Yield (APY) is accurate as of 03/08/2021 View Rates |
FDIC Insured2 | ||
Yes | Yes | Yes |

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Legal information and Disclosures
*The Annual Percentage Yield (APY) is based on monthly compounding of interest for the Premium IRA CD, and the daily compounding of interest for the Flexible IRA CD and IRA Add-On CD. Fees may reduce earnings on an account.
1 Early withdrawal penalties may apply to withdrawals made at any other time than during the grace period.
2 Up to the maximum established by the FDIC per depositor and ownership type.