Individual Retirement Account Interest Rates
Rates Accurate As Of January 19, 2021 (Download As PDF 
)
Individual Retirement Account (IRA) Rates
| Account Type | Early Withdrawal Penalties | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 18 Month Variable Rate | 3 mos. Interest | 0.30%* | 0.30%* |
| 36 Month Fixed Rate | 6 mos. Interest | 0.45% | 0.45% |
| 48 Month Variable Rate | 12 mos. Interest | 0.55%* | 0.55%* |
| 60 Month Fixed Rate | 12 mos. Interest | 0.70% | 0.70% |
| 60 Month Variable Rate | 12 mos. Interest | 0.70%* | 0.70%* |
* The rate may change after the account is opened.
18 Month Variable Rate Minimum Guaranteed Interest Rate - 0.10%; APY 0.10%
48 Month Variable Rate Minimum Guaranteed Interest Rate - 0.20%; APY 0.20%
60 Month Variable Rate Minimum Guaranteed Interest Rate - 0.50%; APY - 0.50%
All IRA's: The daily balance method calculates interest applying a daily periodic rate to the principal in your account each day. The APY assumes interest on deposit until maturity. An early withdrawal penalty may be imposed on the amount withdrawn before maturity and may invade the principal. A withdrawal will reduce earnings.
Interest on IRA's is compounded and credited semi-annually and at maturity. Deposit limits apply. No deposits 7 days before maturity. Interest begins to accrue no later than the business day that we receive the deposit of non-cash items (for example, checks).
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