Maximize your retirement earnings.
A Certificate of Deposit offering our highest fixed rate for growing your retirement savings.
- No minimum deposit to open.
- No maintenance fees.
- Daily compounded interest for maximum earnings.
- Available for Roth, SEP, and Traditional IRAs. Find the IRA for you
- Access your accounts with Online Banking and Mobile Banking
- Get the best rate we offer on the day you open your CD or the day you fund, when you fund within 90 days of opening your CD.
- There are a number of funding options including rollover to Roth and Traditional IRAs.
- FDIC insured to the maximum allowed by law. Maximize your coverage
- Automatic renewal at maturity. If you make an early withdrawal, you will pay a penalty.
- The IRS may tax withdrawals; please consult your tax professional.
- Ally's IRA High Yield CD rates are accurate as of 11/12/2013. See rates
The Ally difference
Some banks charge you a fee to maintain your IRA. Not us. We don't charge any maintenance fees.
With our Ally Ten Day Best Rate Guarantee, when you renew your IRA CD you automatically get the best rate we offer within 10 days beginning with the CD renewal date. Most banks offer only one rate — the one you get the day you renew.
We grow your money faster by compounding interest daily. Many others compound monthly, quarterly, or even annually.
We don't require a minimum deposit to open your IRA. Most banks do. Always be sure to check their fine print before choosing the right product for you.