IRA CD

Compare IRA CD

Synchrony Bank
• IRA CD: 0.75% to 2.45% APY. Terms of 3 months to 5 years. Minimum deposit of $2,000 to open.
Pros: Savings with ATM card High APY All balance tiers receive same rate

Cons: No checking account $2,000 minimum deposit for CDs Limited customer service hours
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... Read full review
High Yield Savings
Citibank
• IRA CD: Can convert an IRA to a regular CD account. 0.05% - 1.90% 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.
Pros: Perks for high balance customers Many fee-free ATMs Global presence

Cons: No free checking option Higher balance requirements Low savings APY
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... Read full review
Citi Priority Package - $700 Bonus


Discover Bank
• IRA CD: 12-month CD APY of 2.20%. 24-month CD APY of 2.25%. 5-year CD APY of 2.30%.
Pros: High yield Cashback checking 24/7 customer service

Cons: No interest checking $2,500 minimum deposit for CDs
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... Read full review
Online Savings Account - Earn 1.85% APY
Regions Bank
• IRA CD: 0.10% - 0.50% APY. (Promotional rate of 1.25% - 1.40% APY for 8 - 11 Months) Terms ranging from 6 months - 72 months. $250 minimum opening deposit.
Pros: $50 to open checking account Relationship Rewards program LifeGreen Savings annual bonus

Cons: No free checking option Limited branches Low savings APY
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... Read full review
LifeGreen Savings Account – Up to $100 Annual Savings Bonus
Wells Fargo
• IRA CD: Standard Term CD: 0.01% - 0.35% APY. Terms of 1 month to 114 months. Minimum deposit of $1,000. Special CD: 1.15% - 1.50% APY. Terms of 9, 29, and 39 months. Minimum deposit of $2,500. Bonus of up to 1.55% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
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... Read full review
Checking and Savings Account - $650 Bonus
TD Bank
• 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).
Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees

Cons: No free checking Low APY Only on East Coast
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... Read full review
TD Bank Beyond Checking Account - $300 Cash Bonus
PNC Bank
• 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.
Pros: Virtual Wallet tools Relatively easy to waive fees Free student account

Cons: Limited branches Low APY
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... Read full review
Virtual Wallet with Performance Select Checking - $300 Cash Bonus
Bank of America
• 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% - 1.70% APY. Terms of 12, 13, 25, and 37 months. Minimum deposit of $2,000.
Pros: National availability Extended customer service hours Full service bank

Cons: No free checking option Low interest rates Many misc. banking fees
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... Read full review
Advantage Plus Banking Checking Account - $100 Bonus
Fifth Third Bank
• 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.
Pros: Free Express Checking Free student checking Promo CD with high APY

Cons: Higher balance requirements Low savings APY Limited branches
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... Read full review
Fifth Third Checking Account - $250 Bonus
TCF Bank
• 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.
Savings Account
Capital One
• IRA CD: 0.60% to 2.20% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.20%.
Pros: Overdraft protection options No account minimums 27 Capital One cafes for in-person support

Cons: Lower savings APY compared to other online banks
Our Review: (4.3) Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you... Read full review
Capital One 360 Checking - $25 Offer
Citizens Bank
• IRA CD: Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Pros: One Deposit Checking GoalTrack Savings 24/7 customer service

Cons: Low APY Heavy overdraft fees Limited branches
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... Read full review
GoalTrack Savings Program – up to $250 in Gift Cards
SunTrust Bank
• IRA CD: Terms ranging from 1 - 10 years.
Pros: High APY for CDs Free student account Good customer service

Cons: No free checking option Low savings APY Limited branches
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... Read full review
SunTrust Advantage Checking Account - $300 Bonus

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