Ally Bank IRA Online Savings Account


Smart savings for your retirement

Want to know more? Download our Straight Talk Product Guide

Managing your account is easy

Get the service you need, when you need it. Talk to a real person 24/7, and enjoy the convenience of Online Banking and Mobile Banking.

Looking for IRA forms?

Great rates

Earn a higher rate than traditional IRA savings accounts.


Get more for your money

We offer rates that are consistently competitive.

See how we compare

    Estimate your earnings

    Daily Balance
    Annual Percentage Yield APY
    Estimated Earnings
    for 12 months

      What we're showing you

      Our Annual Percentage Yield (APY) is accurate as of 03/30/2017. Keep in mind, this rate is variable and may change after the account is opened. Fees may reduce earnings.

      The APYs for other banks are provided by and are accurate as of 03/24/2017. The APYs in this table are for the state of California.

      The IRS may tax withdrawals; please consult your tax professional.


      No surprises

      The most common services and transactions are free with Ally Bank.

      • Monthly maintenance fees $0
      • ACH transfers to your non-Ally Bank account $0
      • Statement copies online $0
      • Incoming wires (domestic & international) $0

      The following services and transactions are available for a fee:

      Overdraft item paid or overdraft item returned (maximum 1 fee per day)
      Excessive transaction(s) fee
      $10.00 per transaction
      Expedited delivery
      Outgoing wires (domestic only)
      $25.00 per hour

      Ally Bank

      It’s good to be different

      We're an online bank, which means we don't have physical bank locations. By eliminating the costs associated with traditional brick-and-mortar banks, we can offer great rates and outstanding customer care.

      With Ally Bank, you get everything you expect from a traditional bank and more:

      • Peace of mind. No hidden fees. No maintenance fees. No minimum balance required
      • Make deposits. Deposit checks with Ally eCheck Deposit℠ or ACH transfers
      • Keep track. Access your account anytime, anywhere with online and mobile banking

      Learn more about the benefits and conveniences of Ally Bank.

      Live customer care
      always available

      5 Years
      "Best Online Bank" 5 years in a row
      MONEY® Magazine 2011-2015

      When you want to build a better financial future

      Whether you're starting to save or planning for retirement, we offer you the resources and the tools that can help you stay on track in any life stage.

      • Starting to Save

        Our Emergency Savings calculator can help you decide how much to put away for those unexpected costs.

      • Saving as a Family

        Use our Saving for the Future calculator to identify how much to save toward your goals.

      • Planning for Retirement

        Find out if you're on track to reach your retirement goals with our See How You Compare tool


      We have answers

      Still have questions? Visit our Help Center.