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IRA CD
Compare IRA CD
- IRA CD: 0.75% to 2.65% APY. Terms of 3 months to 5 years. Minimum deposit of $2,000 to open.
- Savings with ATM card
- High APY
- All balance tiers receive same rate
- No checking account
- $2,000 minimum deposit for CDs
- Limited customer service hours
- IRA CD: Can convert an IRA to a regular CD account. 0.05% - 2.25% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
- Perks for high balance customers
- Many fee-free ATMs
- Global presence
- No free checking option
- Higher balance requirements
- Low savings APY
- IRA CD: 12-month CD APY of 2.40%. 24-month CD APY of 2.45%. 5-year CD APY of 2.50%.
- High yield
- Cashback checking
- 24/7 customer service
- No interest checking
- $2,500 minimum deposit for CDs
- IRA CD: 0.10% - 0.50% APY. (Promotional rate of 1.25% - 1.40% APY for 9 - 13 Months) Terms ranging from 6 months - 72 months. $250 minimum opening deposit.
- $50 to open checking account
- Relationship Rewards program
- LifeGreen Savings annual bonus
- No free checking option
- Limited branches
- Low savings APY
- IRA CD: Standard Term CD: 0.01% - 0.65% APY. Terms of 1 month to 114 months. Minimum deposit of $1,000. Special CD: 1.30% - 1.80% APY. Terms of 9, 29, and 39 months. Minimum deposit of $2,500. Bonus of up to 1.85% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
- IRA CD: 0.10% - 1.19% APY (up to 1.50% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
- Extended banking hours
- Low requirements to waive monthly fees
- No foreign transaction fees
- No free checking
- Low APY
- Only on East Coast
- IRA CD: 0.04% - 1.00% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
- Virtual Wallet tools
- Relatively easy to waive fees
- Free student account
- Limited branches
- Low APY
- IRA CD: Standard Term CD: 0.03% - 0.75% APY. Terms of 28 days to 10 years. Minimum deposit of $1,000. Featured CD: 0.07% - 1.80% APY. Terms of 12, 13, 25, and 37 months. Minimum deposit of $2,000.
- National availability
- Extended customer service hours
- Full service bank
- No free checking option
- Low interest rates
- Many misc. banking fees
- IRA CD: Can convert an IRA account to a regular CD account. 0.05% - 0.60% APY. Terms ranging from 7 days to 84 months. Minimum deposit of $500 or $5,000, depending on CD account type.
- Free Express Checking
- Free student checking
- Promo CD with high APY
- Higher balance requirements
- Low savings APY
- Limited branches
- IRA CD: 0.05% - 0.45% APY. Slightly higher APY rates with a TCF Checking Account. Terms ranging from 3 months - 120 months. $500 minimum opening deposit.
- IRA CD: Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
- One Deposit Checking
- GoalTrack Savings
- 24/7 customer service
- Low APY
- Heavy overdraft fees
- Limited branches
- IRA CD: Terms ranging from 1 - 10 years.
- High APY for CDs
- Free student account
- Good customer service
- No free checking option
- Low savings APY
- Limited branches
Synchrony Bank
| Pros: | Cons: |
Our Review: 
(4.3) Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account...
Citibank
| Pros: | Cons: |
Our Review: 
(3.5) Citibank offers credit cards and banking services. But service fees and balance requirements are on the high side. Is it the right bank for you? Keep reading to find out...
Discover Bank
| Pros: | Cons: |
Our Review: (4.8) Discover offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account...
Regions Bank
| Pros: | Cons: |
Our Review: (3.4) Regions Bank offers a variety of deposit products, easy account opening requirements, and special reward programs. Read on to see if this bank is right for you...
Wells Fargo
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options...
TD Bank
| Pros: | Cons: |
Our Review: (3.4) TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere...
PNC Bank
| Pros: | Cons: |
Our Review: (3.5) PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you...
Virtual Wallet with Performance Select Checking - $300 Cash Bonus
Bank of America
| Pros: | Cons: |
Our Review: (3.2) Bank of America offers a nationwide network, many account options, and user-friendly online banking. But does this convenience come at a cost? Read on...
Fifth Third Bank
| Pros: | Cons: |
Our Review: (3.3) Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you...
TCF Bank
Citizens Bank
| Pros: | Cons: |
Our Review: (3.8) Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank...
SunTrust Bank
| Pros: | Cons: |
Our Review: (3.7) If customer service ranks high on your list, SunTrust Bank may be one you want to check out. While they offer interest rates comparable to most "big banks," they do offer that warm, fuzzy feeling some people look for in a bank...
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