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 Money Market IRA CD Flexible IRA CD IRA Add-On CD
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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)
0.03% - 0.45% APY*
Depending on balance and term
Annual Percentage Yield (APY) is accurate as of 10-18-2017
view all rate information
0.12% - 0.65% APY*
Depending on term
Annual Percentage Yield (APY) is accurate as of 10-18-2017
view all rate information
0.12% APY*
Depending on Balance
Annual Percentage Yield (APY) is accurate as of 10-18-2017
view all rate information
FDIC Insured2
Yes Yes Yes
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*The Annual Percentage Yield (APY) is based on monthly compounding of interest for the Premium Money Market 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.