Enjoy excellent short-term and long-term options

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Open an IRA Account easily online and start earning interest today

Account Details

  • Choose from IRA CDs with terms ranging from 1 to 10 years, or an IRA Savings Account
  • Choose Traditional or Roth IRA CDs
  • Rollover or Transfer from your existing retirement accounts
  • Check your account anywhere with mobile banking app
  • $1,500 minimum opening deposit for CDs*
  • $25 minimum opening deposit for Savings*
  • Accounts are FDIC-insured up to $250,000
  • Interest accrued daily for maximum earnings
  • Explore the Facts and Fees for our IRA CDs

TermInterest RateAPY*APY*
3 Month0.50%0.50%0.10%
6 Month0.75%0.75%0.20%
9 Month1.00%1.00%**%
12 Month1.75%1.75%0.34%
18 Month1.85%1.85% ** %
2 Year1.90%1.90%0.51%
25 Month1.95%1.95%**%
30 Month1.95%1.95% ** %
3 Year2.01%2.01%0.66%
4 Year2.11%2.11%0.78%
5 Year2.35%2.35%0.99%
7 Year2.30%2.30% ** %
10 Year2.40%2.40% ** %
IRA Savings+0.40%0.40% ** %

More rates available. Call for details.

Rollovers & Transfers

What is the difference between a rollover and a transfer?
They are both ways to move funds between retirement accounts. The difference is the way the funds are moved.

Your money is moved from a qualified retirement account (such as a 401(k)) or another IRA account to a new IRA account. The funds are disbursed directly to you and must be deposited to the new IRA account within 60 days to avoid a tax penalty. Rollover funds do not count as your yearly contribution. You can rollover funds once per year.Your money is moved directly from one IRA to another. Your existing IRA custodian or trustee sends the funds directly to your new IRA custodian or trustee. These funds do not count as your yearly contribution. You can transfer funds from IRA to IRA as often as you wish as there is no limit on the number of transfers you can make.


How much do I need to open this account?
The minimum opening deposit for an IRA CD is $1500.
The minimum opening deposit for an IRA Savings is $25.

How much interest is calculated on my IRA CD?
The interest for our IRA CDs is earned daily and credited to your account annually and at maturity.

How is interest calculated on my IRA Savings?
The interest for our Savings IRA is earned daily and posted to your IRA quarterly.

See All IRA FAQs

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Secure Your Retirement

FDIC Insured

Pick From Several Terms

Tax Deferred Compounding

No Maintenance Fees means all earnings work for you

Safe & Secure
Our Promise,


Reliable Service


Access your account anytime, anywhere


Your protection is our #1 priority

Great rates, zero hassle, and I can bank anywhere.
Anne B. | Ames, IA

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*Annual Percentage Yield (APY) is accurate as of 4/1/2018. Advertised rates are subject to change without notice. IRA Savings Accounts: A $25 minimum opening deposit is required. IRA CD Accounts: Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Auto Club Trust, FSB.

** See FDIC Website for National Average. If rate not listed national average is not available. + Rate listed based on $40,000 balance and above. Interest paid based on tiered rate.

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