Current IRA rates
All dividend rates and annual percentage yields are current as of January 19, 2021 .
IRA savings
| Minimum Balance to Obtain APY ($) | Dividend Rate1 (%) | APY1 (%) |
|---|---|---|
| 25.00 – 9,999.99 | 0.10 | 0.10 |
| 10,000.00 – 24,999.99 | 0.20 | 0.20 |
| 25,000.00 – 99,999.99 | 0.25 | 0.25 |
| 100,000.00 and up | 0.35 | 0.35 |
IRA Certificates
$1,000.00 – $99,999.99
| Term | Dividend Rate2 (%) | APY2 (%) |
|---|---|---|
| 6 Month | 0.30 | 0.30 |
| 12 Month | 0.40 | 0.40 |
| 18 Month | 0.50 | 0.50 |
| 24 Month | 0.65 | 0.65 |
| 30 Month | 0.80 | 0.80 |
| 36 Month | 0.90 | 0.90 |
| 48 Month | 1.00 | 1.00 |
| 60 Month | 1.09 | 1.10 |
$100,000.00 or more
| Term | Dividend Rate2 (%) | APY2 (%) |
|---|---|---|
| 6 Month | 0.30 | 0.30 |
| 12 Month | 0.40 | 0.40 |
| 18 Month | 0.50 | 0.50 |
| 24 Month | 0.65 | 0.65 |
| 30 Month | 0.80 | 0.80 |
| 36 Month | 0.90 | 0.90 |
| 48 Month | 1.00 | 1.00 |
| 60 Month | 1.09 | 1.10 |
1 The dividend rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.
2 A minimum balance of $1,000.00 for 6, 12, 18, 24, 30, 36, 48 and 60 month terms is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.