IRA Accounts Overview

How can you ensure you’re financially secure when you’re ready to retire? Ask a Citizen.


Our IRA CD provides peace of mind with a fixed interest rate and FDIC insurance to help preserve your nest egg. Learn More

  • Minimum balance to open


  • Distribution

    Begins at age 70½; early withdrawal fees do apply.

IRA Savings Account

The IRA Savings Account is a simple way to begin saving for retirement by allowing you to make regular contributions that fit your budget. Learn More

  • Minimum balance to open

    Any Amount

  • Monthly maintenance fee


  • How to avoid fees

    Keep a minimum daily balance of $200.

See a Banker for FDIC insurance limits.

Wireless carrier, text and/or data charges may apply.

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 Account Agreement and Fees and Features Guide for fees and information. See a banker for details and FDIC insurance limitations. Fees may reduce earnings.

On your statement, your IRA Savings Account will be titled Variable Rate Savings IRA.