IRA CDs

Get on track for your retirement - take advantage of tax deferred options like IRA CDs.

Provides a great short-term option for making your retirement contributions
Choose a term (6-60 months) that meets your needs
Peace of mind of FDIC insurance
Keep your savings on track if you’re changing jobs - we can help you roll over retirement savings without incurring costly tax penalties
Earn competitive interest rates
Your earnings grow tax-deferred until you withdraw them in retirement
Low minimum balance of $250 required to open

Interest Rate	Fixed
Term(s)	6 - 60 months
Minimum balance to open	$250
Steady Save Contributions	No
Early Withdrawal Penalty	Yes
FDIC Insured	Yes
Tax benefits	Traditional IRA contributions may be tax deductible - consult your tax advisor
IRA types	Traditional and Roth IRA
Annual Fee	None
ATM card issued	No
Contribution Limits Traditional and Roth IRAs (under age 50)	2009: $5,000 2010: $5,000
Contribution Limits Traditional and Roth IRAs (age 50+)	2009: $6,000 2010: $6,000
Eligible for IRA Rollover	Yes

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Call Citizens Bank Retirement Services at 1-800-948-7200
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© Copyright 2009 Citizens Financial Group. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.

All accounts and services are subject to approval. IRA distributions may be subject to state taxation depending on the tax law of your state. Citizens Bank does not offer tax advice. Consult your tax advisor for IRA eligibility rules and your individual circumstances. Please refer to the Personal Deposit Agreement and Fee and Feature Guides for fees and information. See a banker for details and deposit insurance coverage limitations.