Compare IRAs

This is the default Text

Compare products
	Fixed-Rate IRA	18-Month Variable Rate IRA
Empty cell row	Fixed-Rate IRA	18-Month Variable Rate IRA
Comparing 2 of 3 with the following names Fixed-Rate IRA, 18-Month Variable Rate IRA.	Fixed-Rate IRA Learn More Make an appointment	18-Month Variable Rate IRA Learn More Visit a Branch
Empty cell
For you if...
For you if...	For you if...You want a tax-advantaged retirement account that earns interest at a fixed rate^[1] for the designated term. Available on Traditional, Roth, and Education IRAs.	For you if...You want a tax-advantaged retirement savings account that offers a variable interest rate^[3] over a fixed 18-month term.^[2] Available on Traditional IRAs only.	Empty cell
Fees and Requirements
Monthly fee	Monthly feeNo monthly maintenance fees. Fees for early withdrawal may apply.	Monthly feeNo monthly maintenance fees. Fees for early withdrawal may apply.	Empty cell
Account eligibility	Account eligibilityAccount can be opened at any age. Must have taxable compensation. Visit irs.gov for more information.	Account eligibilityAccount can be opened at any age. Must have taxable compensation. Visit irs.gov for more information.	Empty cell
Minimum opening deposit	Minimum opening deposit^$250	Minimum opening deposit^$250	Empty cell
Rates and Annual Percentage Yield (APY)
Empty cell	Annual Percentage Yields (APY)View my local rates	Annual Percentage Yields (APY)Rate is equal to the most recent discount auction rate of the six-month Treasury Bill plus 0.25%.^[2] View my local rates	Empty cell
Available terms
Empty cell	Available terms6 to 60 months	Available terms18 months	Empty cell
Additional deposits and contributions
Empty cell	Additional deposits and contributionsAdditional deposits are not allowed during the term and can only be made during the grace period at maturity. Visit irs.gov for more information.	Additional deposits and contributionsAdditional deposits of $50 or more can be made anytime during the 18-month term. Additional deposits do not extend the original maturity date.	Empty cell
Withdrawals
Empty cell	Additional deposits and contributionsThe rules for withdrawing from an IRA vary depending on age and the type of IRA. Visit the IRS website for more information on IRA withdrawals.	Additional deposits and contributionsThe rules for withdrawing from an IRA vary depending on age and the type of IRA. Visit the IRS website for more information on IRA withdrawals.	Empty cell
Benefits and features
Empty cell	Benefits and features Tax advantages Fixed rate FDIC insured	Benefits and features Tax advantages Additional deposits allowed^[4]. Can be automatically renewed. FDIC insured	Empty cell
Empty cell	Fixed-Rate IRA You want a tax-advantaged retirement account that earns interest at a fixed rate for the designated term. Available on traditional, Roth, and education IRAs. Learn More Make an appointment	18-Month Variable Rate IRA You want a tax-advantaged retirement savings account that offers a variable interest rate2 over a fixed 18-month term. Available on traditional IRAs only. Learn More Visit a Branch

These accounts can be opened with a Roth IRA, an Education IRA or a Traditional IRA.
Available for Traditional IRAs only.
The interest rate on this deposit is equal to the discount rate of the new 6-month Treasury bill plus ¼%. The discount rate of the 6-month Treasury bill is determined by the weekly auction of the Federal Reserve. To this extent, the interest rate and Annual Percentage Yield (APY) earned on this deposit are subject to change weekly and may be deemed variable rates. Fluctuations in the discount rate of the 6-month Treasury bill could cause an interest rate and APY in a subsequent week to be less than the interest rate and APY in an earlier week. Fees could reduce earnings on the account. For more information see Pricing Schedule. This deposit is not available for Roth IRA or Coverdell Education Savings Accounts.
Additional deposits are permitted during the 18-month term, with a minimum of $50.
Penalty exceptions generally include: distribution to a beneficiary due to death of owner, medical insurance after losing a job, a scheduled series of substantially equal periodic payments, qualified post-secondary education expenses, total and permanent disability, rollover, tax levy, qualified reservist distribution, cost associated with the birth or adoption of a child (up to $5,000), deductible medical expenses, and buy, build or rebuild a first home (up to $10,000). Regions does not give tax advice and IRA tax rules change frequently. For the most updated information, visit IRS.gov.
Additional deposits of $25 or more can be made at any time.

Compare IRAs

Comparing 2 of 3

For you if...

Fees and Requirements

Rates and Annual Percentage Yield (APY)

Available terms

Additional deposits and contributions

Withdrawals

Benefits and features