CDs and IRAs Comparison

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Certificates of Deposit (CDs)

IRA CD Account

IRA Money Market

Minimum Opening Deposit Comparison
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$1,000
$1,000
$100
Monthly Maintenance Fee
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$0
$0
$0
Interest Rate Comparison
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Fixed rate based on the term of the certificate[cite::58::cite].
Fixed rate based on the term of the certificate[cite::58::cite].
Variable rate[cite::7024::cite]
Withdrawals Comparison
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Early withdrawal penalties may apply.
Early withdrawal penalties may apply, and may be subject to IRS early distribution penalties if made before age 59 1/2[cite::163::cite].
Early distribution penalties may apply to withdrawals made before age 59 1/2[cite::163::cite].
Term
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Up to 5 years
Up to 5 years
n/a
Access
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Branch and Online Access
Branch and Online Access
Branch and Online Access
Digital Online Banking
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FDIC Insured
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Each depositor is insured by the FDIC to at least $250,000
Each depositor is insured by the FDIC to at least $250,000
Each depositor is insured by the FDIC to at least $250,000