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ANNUAL PERCENTAGE YIELD 3

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How much can you earn?

Simply choose your CD, your opening deposit and your term length. We’ll do the calculating. Annual percentage yield (APY) and interest rates effective mm/dd/yy for County, State (Change)

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Feature

Traditional IRA

Roth IRA

Description

Tax-deferred retirement savings account:

  • No tax on the portion of your income you invest
  • No tax on additional value your investments gain
  • Potential taxes on withdrawals in retirement

Tax-free retirement savings account:

  • Funded with income that has been taxed
  • No tax on additional value your investments gain
  • No taxes on withdrawals in retirement

Eligibility
  • Any age
  • Any age
  • Income thresholds apply

Contribution limits
  • Under age 50: $6,500 per year
  • Over age 50: $7,500 per year
  • Under age 50: $6,500 per year
  • Over age 50: $7,500 per year

Distribution and withdrawals
  • Required minimum distributions start at age 73 (distributions are taxed)
  • Penalty for withdrawals before age 59 ½
  • No required minimum distributions
  • Penalty for withdrawals before age 59 ½
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Retirement CD Special

  • Tax-advantaged

    Depending on the type of IRA you choose, you can grow your money tax-free or tax-deferred.

  • Competitive

    This CD offers our most competitive, promotional rates – and great returns.

  • Guaranteed return

    After you choose the term length and rate that works best for you, that guaranteed rate will last for the duration of your term.1

  • FDIC-insured

    All U.S. Bank CDs are FDIC-insured to the maximum permitted by law.

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