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      IRA CDs and IRA Savings

      Find out how the benefits of an IRA Savings can help you prepare for retirement, or how you can grow your savings with a guaranteed fixed rate of return with an IRA CD.

      View the 2015 IRA rollover rules amendments

      Questions? Ask a Citizen.
      Questions? Ask a Citizen.

      IRA Savings

      Jump start your retirement savings by using Citizens Bank Steady Save® to schedule regular contributions1 according to your budget and timetable. The IRA Savings is available as either a Traditional or a Roth IRA account both of which are FDIC-insured. And, at Citizens, there’s no bank penalty for early withdrawal2.

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      Any Amount

      Minimum balance to open

       

      $4.99

      Monthly maintenance fee waived if you keep a minimum daily balance of $200. Account will automatically receive a fee waiver on the first 4 monthly maintenance fees.

      IRA CDs

      If you’ve already opened an Individual Retirement Account, you might consider rolling your contributions into an IRA CD to grow your retirement savings with a guaranteed fixed rate of return3.

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      $250

      Minimum balance to open

      $0

      Monthly maintenance fee

      Compare IRA account benefits

      IRA Savings

      Our IRA Savings helps you save for retirement by making regular contributions that match your budget.

      IRA CDs

      Our IRA CD provides peace of mind with a fixed interest rate to grow your funds steadily throughout your retirement.

      Interest Rate Variable Fixed
      Term(s) No Term 1 - 120 months
      Minimum balance to open Any Amount $250
      Steady Save Contributions Yes1 You determine amount and frequency No3
      Early Withdrawal Penalties may apply2 No bank penalty for early withdrawal CD early withdrawal penalty
      FDIC Insured Yes
      Tax benefits Traditional IRA contributions may be tax deductible - consult your tax advisor
      IRA types Traditional and Roth IRA
      Monthly Maintenance Fee $4.99/Month, waived with $200 minimum daily balance. Account will automatically receive a fee waiver on the first 4 monthly maintenance fees. N/A
      ATM card issued No
      IRA Rollover Account Yes

      IRS Requirements

        Traditional IRA Roth IRA
        Tax Year 2019 Tax Year 2018 Tax Year 2019 Tax Year 2018
      Contribution Limits - under age 50 $6,000 $5,500 $6,000 $5,500
      Contribution Limits - over age 50 $7,000 $6,500 $7,000 $6,500
        Modified Adjusted Gross Income (MAGI) Limits
      Single $64,000 to $74,000 deductibility phase out $63,000 to $73,000 deductibility phase out $122,000 to $137,000 Eligibility phase out $120,000 to $135,000 Eligibility phase out
      Married filing jointly $103,000 to $123,000 deductibility phase out $101,000 to $121,000 deductibility phase out $193,000 and $203,000 Eligibility phase out $189,000 and $199,000 Eligibility phase out

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