IRA CD Account

Looking for a great way to save for the future with the option to defer tax liability? Then look no further. The Zions Bank IRA Certificate of Deposit is for you. If you have at least $1,000 for your initial contribution and choose a term between three months and five years, you are guaranteed a fixed rate for that time period.


  • Substantial IRS penalty for early distribution from an IRA (before age 59[cite::163::cite])
  • Convenient distribution choices upon reaching age 59[cite::163::cite]
Interest Rate
  • Fixed rate based on the term of the certificate[cite::58::cite]
  • For terms less than one year, interest is compounded and paid at maturity.
  • For terms one year and over, interest is compounded and paid quarterly[cite::58::cite]

Now the Rates

Rates effective as of [rate::[currentDate]::rate]

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice.)

Displaying rates for

Premium rate increase may be available. Contact a local branch for details.

Features and Benefits

  • Includes Digital Banking
  • FDIC-insured to maximize your coverage
  • No monthly maintenance fee
  • Option to defer tax liability[cite::163::cite]

Didn’t find quite what you were looking for? Take a look at our comparison table to find the most suitable savings account for your needs.



Or visit a Zions Bank branch.