IRA Add-On CD

This CD is a great way to lock into a fixed interest rate. While your money grows, you can continue to make regular contributions.

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 up to the maximum established by the FDIC per depositor and ownership type. When your IRA CD matures, you can automatically renew it, or transfer your balance into another retirement account and continue to let it grow.


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

Features and Benefits

  • $100 to open
  • $12 annual fee
  • 12-month term1
  • Fixed interest rate
  • Interest compounded daily, paid monthly, quarterly, semi-annually or at maturity
  • Additional deposits of $100 or more are subject to annual contribution limits.2 Any additional deposits earn at the interest rate of account opening or renewal

Today's Annual Percentage Yield (APY*)

0.12% APY*

Depending on Balance

Annual Percentage Yield (APY) is accurate as of 11/22/2017

View Rates

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*The Annual Percentage Yield (APY) is based on daily compounding of interest as noted. 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 Subject to annual contribution limits. When your IRA CD matures, you can automatically renew it, or transfer your balance into another retirement account and continue to let it grow. Other options are available depending on your individual eligibility. Visit your local branch to help you choose the retirement account that offers the best benefits for you. Please see your tax advisor for more information.

Investment and Insurance Products:
NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE
NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY