IRAs

Why Choose Regions?

Insights

Visit Insights by Regions for tools, tips and calculators to help you manage your money, save for your future, finance your needs and track your spending.

An IRA, or Individual Retirement Account, is a Tax-Advantaged investment vehicle for individuals. Choose between a traditional IRA and a Roth IRA, in which the tax implications vary at contribution and withdrawal. Regions offers both Bank IRA and Investment IRA Accounts. Compare Regions offerings to see what is the best fit for you.

IRAs

IRA18-Month Variable Rate

Earns interest at a rate¹ that is comparable to the prevailing rate in the market.² Learn More

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IRAFixed Rate

IRA account that earns interest at a fixed rate for the term of the time deposit.² Learn More

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IRAMoney Market

IRA account that allows for regular deposits and/or the rollover of IRA funds at any time.² Learn More

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IRAInvestment IRA*

Work with a Financial Advisor to choose from a full range of investment choices.² Learn More

Connect with a Financial Advisor

Learn More About IRAs

Roth and Traditional IRA Comparison IRA FAQs

Why Regions?

Rewards

Earn Cashback Rewards when you activate offers in Regions Online and Mobile Banking and make eligible CheckCard & Now Card purchases.

Convenience

Bank when and how you want with Mobile Banking, Online Banking with Bill Pay and free access to more than 1,900 ATMs³ across the Regions 15-state service area.

Insights

Visit Insights by Regions for tools, tips and calculators to help you manage your money, save for your future, finance your needs and track your spending.

Personal Service

With award-winning customer service through a branch, online, over the phone, on social media, or even at an ATM, we strive to make each experience a satisfying one.

Payment Solutions

Use Apple Pay⁴, Google Pay⁵, LG Pay⁶, Samsung Pay⁷ and Click to Pay with Visa⁸ to make secure payments from your mobile device. Send money to friends with Zelle®,⁹ available through Online Banking and the Regions Mobile app. And reduce the risk of fraud on your Regions personal CheckCard, Now Card, and credit cards with the touch of a button using Regions LockIt®: Lock your card for certain types of transactions using the Regions Mobile app or Online Banking.

Community Involvement

We believe in giving back to our communities by supporting local organizations and donating our time and talents. We even give associates a paid day off to volunteer with a charitable or educational cause of their choice.

Looking for More?

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.
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.
Access to Regions Bank ATMs has no fees but fees may apply to certain transactions.
Apple, the Apple logo, iPhone, Apple Pay, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Android, the Android Logo, Google Pay, and the Google Play Store logo are trademarks of Google Inc, registered in the U.S. and other countries.
LG Pay is a registered trademark of LG Corp.
Only compatible with select cards, carriers and Samsung devices. Samsung Pay and Samsung Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc. Please see the Regions Deposit Agreement for information on liability for unauthorized transactions.
Must have a bank account in the U.S. and be at least 18 years of age to use Zelle®.