IRA CDs

If you've already established retirement savings through an Individual Retirement Account, you may be ready to roll your contributions into an IRA CD. Our IRA CD provides peace of mind with a fixed interest rate, the tax advantages of an IRA, and the guaranteed returns of a CD. Open an FDIC-insured account with as little as $250 and choose your time frame — from 1 to 120 months.

Minimum balance to open^†
$250

Monthly maintenance fee
$0

Distribution
Early withdrawal fees may apply, with exceptions for age and certain other conditions.^† All withdrawals are subject to IRS tax regulations and penalties.

COMPARE ALL IRA ACCOUNTS

Flexible Terms

Choose from 1-120 month terms

Tax Benefits

Traditional IRA contributions may be tax deductible – consult your tax advisor.

FDIC Insured

Receive peace of mind with FDIC insurance to help preserve your nest egg.

Here's what you need to get started:

Ready to apply?

To learn more, find out about current rates, or open an IRA CD, call 1-800-948-7200 or visit a Citizens branch location. You may also want to consult a tax advisor for information or deductions for your IRA contributions to the savings account and CDs.