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View All IRA Rates   Our Annual Percentage Yields (APYs) are accurate as of 06/24/2017.

IRA High Yield CD

Open Account View Details See competitors' rates
  • Maximum savings with a fixed rate
  • Early withdrawal penalty will apply

IRA Raise Your Rate CD

Open Account View Details See competitors' rates
  • Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term if our rate for your term and balance tier goes up on these CDs
  • Early withdrawal penalty will apply

IRA Online Savings

Open Account View Details See competitors' rates
  • Rate is variable and may change after the account is opened.
  • Six transactions limit per statement cycle
    Why only 6
  • Other fees may apply. Such as those for returned deposit items and outgoing wires
IRA Account Features
View All IRA Rates   Our Annual Percentage Yields (APYs) are accurate as of 06/24/2017.
IRA High Yield CD
% Fixed APY

3 month

% Fixed APY

6 month

% Fixed APY

9 month

% Fixed APY

12 month

% Fixed APY

18 month

% Fixed APY

3 year

% Fixed APY

5 year

See competitors' rates
IRA Raise Your Rate CD
% Variable APY

2 year
One interest rate increase

% Variable APY

4 year
Two interest rate increases

See competitors' rates
IRA Online Savings
1.05% Variable APY

Less than $5,000 daily balance

1.05% Variable APY

$5,000 minimum daily balance

1.05% Variable APY

$25,000 minimum daily balance

See competitors' rates
IRA High Yield CD
% Fixed APY

3 month

% Fixed APY

6 month

% Fixed APY

9 month

% Fixed APY

12 month

% Fixed APY

18 month

% Fixed APY

3 year

% Fixed APY

5 year

See competitors' rates
IRA Raise Your Rate CD
% Variable APY

2 year
One interest rate increase

% Variable APY

4 year
Two interest rate increases

See competitors' rates
IRA Online Savings
1.05% Variable APY

Less than $5,000 daily balance

1.05% Variable APY

$5,000 minimum daily balance

1.05% Variable APY

$25,000 minimum daily balance

See competitors' rates
IRA High Yield CD
% Fixed APY

3 month

% Fixed APY

6 month

% Fixed APY

9 month

% Fixed APY

12 month

% Fixed APY

18 month

% Fixed APY

3 year

% Fixed APY

5 year

See competitors' rates
IRA Raise Your Rate CD
% Variable APY

2 year
One interest rate increase

% Variable APY

4 year
Two interest rate increases

See competitors' rates
IRA Online Savings
1.05% Variable APY

Less than $5,000 daily balance

1.05% Variable APY

$5,000 minimum daily balance

1.05% Variable APY

$25,000 minimum daily balance

See competitors' rates
Interest compounded daily.
Available as a Traditional, Roth and SEP IRA
Compare IRA Plans
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Member FDIC
IRA High Yield CD
IRA Raise Your Rate CD
IRA Online Savings
IRA High Yield CD
  • Maximum savings with a fixed rate
  • Early withdrawal penalty will apply
IRA Raise Your Rate CD
  • Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term if our rate for your term and balance tier goes up on these CDs
  • Early withdrawal penalty will apply
IRA Online Savings
  • Rate is variable and may change after the account is opened.
  • Six transactions limit per statement cycle
    Why only 6
  • Other fees may apply. Such as those for returned deposit items and outgoing wires

Find the best IRA plan with the right features for your retirement. Before you decide on the plan for you, it's always best to consult with your tax professional. The IRA comparison information we're providing is not tax advice.

Roth IRA

Traditional IRA

SEP IRA
Consider if

You're interested in both tax-free growth and withdrawals. Roth IRA contributions are not tax-deductible.

You prefer your money to grow tax-deferred until you withdraw it in retirement. In many cases, your contributions are tax-deductible in the year they are made.
  • You're a business owner or self-employed
  • You're an employee of a business with a SEP IRA
Contribution Eligibility

Any age with taxable compensation

Anyone under age 70½ with taxable compensation

Anyone whose employer invites them to participate in a SEP. Please note that employees cannot make personal contributions to a SEP IRA.
Maximum Contribution Limits

Contribution Limits for 2017:

  • $5,500 if under age 50
  • $6,500 if age 50 or older

These contribution limits apply to Single filers with income of $118,000 or less or Joint filers with income of $196,000 or less.

As income levels increase above these limits, tax deductions for eligible contributions may be reduced. Consult with your tax professional.

Contribution Limits for 2017:

  • $5,500 if under age 50
  • $6,500 if age 50 or older

Income levels do not affect contribution limits for Traditional IRAs; however, your income may affect the amount you can deduct.

Contribution Limits for 2017:

  • Employer contributions that are lesser of 25% of employee's compensation, or $54,000.
  • For self-employed individuals the limit is generally 20% of net earnings.

Tax deductions

Contributions are not deductible

Depends on:

  • Your earnings
  • Whether you participate in an employer's retirement plan
  • Your filing status
  • If you receive Social Security Benefits

If employer contributions exceed certain limits, employees can't deduct their employer's contribution to their SEP plan. If you are self-employed, you can generally deduct the contributions you make each year to your own SEP IRA.
Tax advantages

Tax-free when you take distributions

Pay no taxes until you take distributions
Distributions
  • Distribution of an original contribution is always tax and penalty free.
  • Any earnings and conversion dollars (from other retirement plans) are tax free after the IRS' 5 year aging requirement has been met AND you are 59½ or older; otherwise, you could incur a 10% penalty.
  • Taxable
  • Could include a 10% penalty if made before age 59½
Required minimum distributions

Not required

Mandatory at age 70½
Annual deadline for contributions

The deadline for filing your annual tax return.

The employer's deadline for filing its annual tax return, including any extensions.

Find the best IRA plan with the right features for your retirement. Before you decide on the plan for you, it's always best to consult with your tax professional. The IRA comparison information we're providing is not tax advice.

You're interested in both tax-free growth and withdrawals. Roth IRA contributions are not tax-deductible.

You prefer your money to grow tax-deferred until you withdraw it in retirement. In many cases, your contributions are tax-deductible in the year they are made.

  • You're a business owner or self-employed
  • You're an employee of a business with a SEP IRA

Any age with taxable compensation

Anyone under age 70½ with taxable compensation

Anyone whose employer invites them to participate in a SEP. Please note that employees cannot make personal contributions to a SEP IRA.

Contribution Limits for 2017:
  • $5,500 if under age 50
  • $6,500 if age 50 or older

These contribution limits apply to Single filers with income of $118,000 or less or Joint filers with income of $196,000 or less.

As income levels increase above these limits, tax deductions for eligible contributions may be reduced. Consult with your tax professional.

Contribution Limits for 2017:
  • $5,500 if under age 50
  • $6,500 if age 50 or older

Income levels do not affect contribution limits for Traditional IRAs; however, your income may affect the amount you can deduct.

    • $5,500 if under age 50
    • $6,500 if age 50 or older

    Income levels do not affect contribution limits for Traditional IRAs; however, your income may affect the amount you can deduct.

Contribution Limits for 2017:
  • Employer contributions that are lesser of 25% of employee's compensation, or $54,000.
  • For self-employed individuals the limit is generally 20% of net earnings.

    • Employer contributions that are lesser of 25% of employee's compensation, or $53,000.
    • For self-employed individuals the limit is generally 20% of net earnings.

Contributions are not deductible

Depends on:

  • Your earnings
  • Whether you participate in an employer's retirement plan
  • Your filing status
  • If you receive Social Security Benefits

If employer contributions exceed certain limits, employees can't deduct their employer's contribution to their SEP plan. If you are self-employed, you can generally deduct the contributions you make each year to your own SEP IRA.

Tax-free when you take distributions

Pay no taxes until you take distributions

Pay no taxes until you take distributions

  • Distribution of an original contribution is always tax and penalty free.
  • Any earnings and conversion dollars (from other retirement plans) are tax free after the IRS' 5 year aging requirement has been met AND you are 59½ or older; otherwise, you could incur a 10% penalty.

  • Taxable

  • Could include a 10% penalty if made before age 59½

  • Taxable

  • Could include a 10% penalty if made before age 59½

Not required

Mandatory at age 70½

Mandatory at age 70½

The deadline for filing your annual tax return.

The deadline for filing your annual tax return.

The employer's deadline for filing its annual tax return, including any extensions.

Other products you may be interested in:
View All Products

IRA High Yield CDs

    Our Annual Percentage Yields (APYs) are accurate as of 06/24/2017. The APYs for other banks are provided by mybanktracker.com and are accurate as of 06/23/2017. The APYs in this table are for the state of California.

    IRA Raise Your Rate CDs

      Our Annual Percentage Yields (APYs) are accurate as of 06/24/2017. The APYs for other banks are provided by mybanktracker.com and are accurate as of 06/23/2017. The APYs in this table are for the state of California.

      IRA Online Savings Accounts

        Our Annual Percentage Yields (APYs) are accurate as of 06/24/2017. The APYs for other banks are provided by mybanktracker.com and are accurate as of 06/23/2017. The APYs in this table are for the state of California.

        All IRA Rates

        IRA High Yield CDs

        ANNUAL PERCENTAGE YIELD
        Terms Less than $5,000 $5,000-$24,999.99 $25,000 or more
        3 month
        6 month
        9 month
        12 month
        18 month
        3 year
        5 year

        IRA Raise Your Rate CDs

        Terms Less than $5,000 $5,000-$24,999.99 $25,000 or more
        2 year
        4 year

        IRA Online Savings Account

        Terms Less than $5,000 $5,000-$24,999.99 $25,000 or more
         
        Our Annual Percentage Yield (APY) is accurate as of 06/24/2017.