Planning for Retirement

Reach Your Retirement Goals

Everyone has a different plan for when they retire, but one thing we all have in common is a savings strategy. Start by deciding how you want to live in retirement so you know how much you should save. Then create a savings plan that's focused on your individual goals.

Plan for Your Other Life Stages

See Where You Stand

Once you have a plan mapped out, determine if you're on track to reaching your dream retirement lifestyle. Use our tool to see how you compare to others like you.

We surveyed 2,000 people planning for retirement.

Like you % are

Like you % have an annual income of

Like you % have saved

Choose a Savings Option

Now it's time to make your money work hard for you. Take a look at some of our suggested product offerings to see which ones fit your goals.

Online Savings
4.6

Our Online Savings account doesn’t have monthly maintenance fees, so you can reach your retirement goals – no matter how much you're saving. You also get the advantage of daily compounding interest, so your balance can grow faster. Plus, we offer great rates that are consistently among the most competitive.

Keep in mind that our rates are variable and may change after the account is opened. Fees may also reduce earnings.

Highlights

  • No hidden fees
  • Deposit checks remotely with Ally eCheck Deposit℠
  • Automatic transfers from your non-Ally accounts
  • Deposits insured by the FDIC up to the maximum allowed by law
  • Six transactions limit per statement cycle. Why only 6?
Open Account Get more details

High Yield CD
4.4

Our High Yield CD is a great way to maximize your savings strategy. We offer several convenient terms to help your money grow faster and our CD ladder tool can teach you how to combine long-term earnings with more frequent access to a portion of your money.

Keep in mind that you'll pay a penalty if you make an early withdrawal.

Highlights

Open Account Get more details

IRA Raise Your Rate CD

Our IRA Raise Your Rate CD is a great option for your portfolio as you near retirement. We offer you a great rate, plus you can increase your rate once over the 2-year term or twice over the 4-year term if our rate on your term and balance tier goes up. Also, you can choose between a Roth, Traditional and SEP plan to help you meet your personal retirement goals.

Keep in mind that an early withdrawal penalty may apply. Also, an additional IRA tax may apply. Please consult your tax professional.

Highlights

  • Includes our Ten Day Best Rate Guarantee
  • Grow your money faster with interest compounded daily
  • Flexible funding options, including rollover to Roth and Traditional IRAs
  • Earn interest rates that are consistently among the most competitive in the country
  • Deposits insured by the FDIC up to the maximum allowed by law
Open Account Get more details

Estimate Your Earnings

Maximize Your Account Benefits

If you already have a relationship with us, take a look at how we can help maximize your savings.

Add beneficiaries to your accounts

Adding a beneficiary to your Ally accounts is easy to do. Just log in to online banking and update your beneficiaries under Account Services.

Update your beneficiaries

Make your FDIC insurance work for you

You could be covered for more than $250,000 with a combination of accounts. See how you can make the most of your FDIC insurance coverage.

Learn about FDIC insurance coverage

Name your accounts based on your goals

Try naming your accounts to match your savings goal. This can help you remember what you're saving for while keeping your eye on the prize.

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Plan for Your Other Life Stages