Important Details

IRA CD Account Apply Now

Grow your retirement savings for a specified term

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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 between three months and five years and are guaranteed a fixed rate for that time period. Additional deposits cannot be made to the CD until maturity.

Account Features

Important Details

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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 3 months 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 and paid at maturity.
  • For terms one year and over, interest is compounded 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. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.
  2. IRA account must be single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.
This page was last modified on Fri Apr 18 10:21:57 MDT 2014