Important Details

IRA CD Account Apply Now

Grow your retirement savings for a specified term

An IRA is a great way to save for the future with the option to defer tax liability. If you want a fixed rate of interest and have at least $1,000 for your initial contribution, an IRA CD is a good choice. You choose a term up to five years and are guaranteed a fixed rate for that time period. Additional deposits cannot be made to the CD until maturity. View product disclosures.

Account Features

Important Details

View Rates

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 Zions—see our Privacy Notice.)

Account Details

Minimum Opening Deposit $1,000
Term Up to 5 years
Monthly Maintenance Fee $0
Interest Rate*
  • Fixed rate based on the term of the certificate
  • For terms less than one year, interest is compounded daily and paid at maturity.
  • For terms one year and over, interest is compounded daily and paid quarterly.
  • Substantial IRS penalty for early distribution from an IRA (before age 59 1/2)
  • Convenient distribution choices upon reaching age 59 1/2
  • Substantial bank penalty for withdrawing funds before CD maturity date
* Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.
1. IRA account must be single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.

Rate this page:

Do not submit personal information including account or phone numbers. We are unable to respond personally to comments made here. For Customer Service, or if you would like a personal response from us, visit the Contact Us page.


Thank you for your submission.


Thank you for visiting our site today.

Please take a 2 to 3 minute survey and help us improve your online experience.

Survey Hide X
This page was last modified on Thu Sep 21 20:15:42 MDT 2017