Flexible IRA CD

Our Flexible IRA CD offers a choice of terms, between 12 to 60 months. During this time, your funds are guaranteed the interest rate available when the account is first opened. We recommend this account for those who are looking for the peace of mind of a fixed rate.

What is an IRA CD?

When 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. This is an alternative to investing your IRA money in stocks, bonds, mutual funds or other investment assets.

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.

What You Get

  • Terms of 12 to 60 months1
  • Fixed interest rate
  • Interest compounded daily and paid monthly, quarterly, semiannually or at maturity
  • Additional deposits can be made only at maturity, subject to annual contribution limits2
  • Automatic renewal at maturity, with 10-day grace period
  • Deposits FDIC insured up to the maximum established by the FDIC per depositor and ownership type

The annual service fee is $12.


 View full interest rates
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Check out our Award Page.

*The Annual Percentage Yield (APY) is based on daily compounding of interest as noted. Fees may reduce earnings on an account.

1Early withdrawal penalties may apply to withdrawals made at any other time than during the grace period. Fees could reduce earnings on the account. Additional restrictions may apply.

2Subject 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.

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