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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
    Read ReviewVisit Site

    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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