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If you've already established retirement savings through an Individual Retirement Account, you may be ready to roll your contributions into an IRA CD, that will grow your funds with a fixed rate guarantee of return throughout your retirement. 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.
Early withdrawal fees may apply, with exceptions for age and certain other conditions.1 All withdrawals are subject to IRS tax regulations and penalties.
Choose from 1-120 month terms
Traditional IRA contributions may be tax deductible – consult your tax advisor.
For Traditional and Roth IRAs#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn More#
Contribution Limits Under Age 50
$6,000 for tax year 2019
$6,000 for tax year 2020
Contribution Limits Age 50 and older
$7,000 for tax year 2019
$7,000 for tax year 2020
Here's what you need to get started:
To learn more, find out about current rates, or open an IRA CD, call 1-800-948-7200 or go to a Citizens Banking branch location. Link to branch locator.
You may also want to consult a tax advisor for information or deductions for your IRA contributions to the savings account and CDs.
Find out how the benefits of an IRA Savings can help you prepare for retirement.
IRA Savings#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn more about#Learn More
Monthly maintenance fee
Minimum balance to open
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: