Minimum opening deposit | | | | |
---|
FDIC Insured? | Deposits are insured by the FDIC up to $250,000 per depositor. | Deposits are insured by the FDIC up to $250,000 per depositor. | Deposits are insured by the FDIC up to $250,000 per depositor. | Deposits are insured by the FDIC up to $250,000 per depositor. |
---|
Term | | Choose from multiple options: XXXX to XXXXSee available terms and rates | | |
---|
Annual percentage yield (APY) | Call us for rates or to open an account: 888.827.1812 | For Featured CD IRA, X.XX– X.XX% depending on balance and term | X.XX-X.XX% depending on balance and term | X.XX-X.XX% depending on balance and term |
---|
Automatic renewal? (CDs only) | No set terms — you choose when to redeem your account | At maturity, 7, 10, 13, 25 and 37 Month Featured CD IRA accounts will automatically renew into a Fixed Term CD IRA account with the same term length unless you make a change during the 7-day grace period. Today’s APY of these Fixed Term CD IRA is 0.03%. Your rate will be determined at maturity. | These products will automatically renew for the same term. | At maturity, a 12 Month Flexible CD IRA will automatically renew into a 9 Month Flexible CD IRA unless you make a change during the 7-day grace period. Today’s APY of the 9 Month Flexible CD IRA is 0.01%. Your rate will be determined at maturity. |
---|
Additional deposits allowed? | At any time | No additional deposits until maturity | No additional deposits until maturity | No additional deposits until maturity |
---|
Early withdrawal penalty? | A withdrawal from an IRA may be subject to federal tax (and possibly additional state and local taxes) if you are under age 59 ½. See Deposit Agreement and Disclosures and Deposit Rate Sheet for more detail about the penalty calculation. | An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your IRA. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see Deposit Agreement and Disclosures and Deposit Rate Sheet. An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59 ½. | An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your IRA. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see Deposit Agreement and Disclosures and Deposit Rate Sheet. An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59 ½. | We will waive the early withdrawal penalty except in connection with any withdrawals you request within the first 6 days of the account term (or the first 6 days following any partial withdrawal). An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59 ½. See Deposit Agreement and Disclosures and Deposit Rate Sheet for more detail about the penalty calculation. |
---|