IRA CDs

Personal IRA CD Rates

IRA Certificates of DepositAnnual Percentage Yields (APY) current as of July 17, 2025
Term Interest Rate APY
90 Day 4.16% 4.25%
182 Day 4.16% 4.25%
9 Month 3.92% 4.00%
12 Month 4.07% 4.15%
18 Month 3.68% 3.75%
24 Month 3.68% 3.75%
30 Month 3.68% 3.75%
36 Month 3.68% 3.75%
48 Month 3.68% 3.75%
60 Month 3.68% 3.75%
Learn More
  • Minimum Deposit for IRAs - $500
  • Interest is compounded daily & earned on the daily balance
  • FREE access to Online Banking1
  • Penalties may apply for early withdrawal
  • Instant Access CDs are not available for IRAs
  • Fees may reduce earnings on the account
  • Rates are subject to change at any time without notice

1 Internet service provider charges apply