Fixed-Rate IRA^[1]

This fixed-rate IRA is FDIC insured and earns interest at a fixed rate for the term of the time deposit.^[2]

Features of the Fixed-Rate IRA

$0 monthly maintenance fees

Flexible terms ranging from 6 to 60 months

Get started with $250^[3]

Earn interest at a fixed rate

Rates
- Rates are fixed for the designated term. Visit a branch for further details.
Annual Percentage Yield (APY)
- Check rates
Terms
- 6 to 60-month terms
Minimum balance
- $250 minimum opening deposit required
Additional deposits
- Additional deposits are not allowed during the term.
- Additional deposits can only be made during the grace period at maturity
The 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.
- No monthly maintenance fees
- Fees for early withdrawal may apply^[4]

Choose the best account for your retirement goals.

Compare IRAs

Find branches and ATMs near you

Make an appointment with a banker

Track finances with My GreenInsights

Find the right products for you

These accounts can be opened with a Roth IRA, an Education IRA or a Traditional IRA.
The information presented is subject to change. It is not an offer or contract for any product or service, and it does not replace the legal terms and conditions of the product or service. Please refer to your agreement and related disclosures for the legal terms and conditions which will affect your product or service. Regions does not offer tax, legal or accounting advice. Consult an appropriate professional concerning your specific situation and irs.gov for current tax rules. Note that special rules apply to IRAs (both Traditional and Roth) that are inherited by a beneficiary. If you are the beneficiary of an inherited IRA, please consult a professional about your specific situation and visit irs.gov for current tax rules.
Minimum opening deposit amount of $250.
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.