For You If...
Regions 18-Month Variable Rate IRA
You want a tax-advantaged retirement savings account that offers a variable interest rate 1 over a fixed 18-month term. (Available for Traditional IRAs only)
Regions Fixed Rate IRA
You want a tax-advantaged retirement account that earns interest at a fixed rate for the term of the time deposit. (Available for Traditional, Roth, and Education IRAs.)
Regions Money Market IRA
You want a tax-advantaged retirement savings account that is similar to a money market account, and allows for regular deposits, withdrawals, and the rollover of IRA funds at any time. (Available for Traditional, Roth, and Education IRAs)
Investment IRA*
You would like a Financial Advisor to manage your taxed-advantaged retirement account.
Rates
Regions 18-Month Variable Rate IRA
Rate is equal to the most recent discount auction rate of the six-month Treasury Bill plus 0.25%. 1 Find a rate in your area.
Regions Fixed Rate IRA
Regions Money Market IRA
Investment IRA*
Vary based on investment choices and goals. Talk with an FA to determine rate.
Available Terms
Regions 18-Month Variable Rate IRA
18-Months
Regions Fixed Rate IRA
6 to 60 months
Regions Money Market IRA
No maturity obligation
Investment IRA*
Terms vary. Talk with an FA to determine terms.
Minimum Balance Required to Open
Regions 18-Month Variable Rate IRA
$250
Regions Fixed Rate IRA
$250
Regions Money Market IRA
$50
Investment IRA*
No minimum balance required but annual maintenance fee of $52.
Deposits
Regions 18-Month Variable Rate IRA
Additional deposits of $50 or more can be made anytime during the 18-month term. Additional deposits do not extend the original maturity date.
Regions Fixed Rate IRA
Additional deposits are not allowed during the term and can only be made during the grace period at maturity.
Regions Money Market IRA
Additional deposits of $25 or more can be made anytime. Can be linked to a checking or savings account for regular, automatic deposits.
Investment IRA*
N/A
Fees
Regions 18-Month Variable Rate IRA
No monthly maintenance fees. Fees for early withdrawal may apply.
Regions Fixed Rate IRA
No monthly maintenance fees. Fees for early withdrawal may apply.
Regions Money Market IRA
No monthly maintenance fees.
Investment IRA*
Standard fees apply. Fees for early withdrawal may apply. 3
Contributions
Regions 18-Month Variable Rate IRA
N/A
Regions Fixed Rate IRA
N/A
Regions Money Market IRA
N/A
Investment IRA*
Additional contributions can be made at any time up to the contribution limit.
Features
Regions 18-Month Variable Rate IRA
Regions Fixed Rate IRA
- Tax Advantages
Fixed Rate
Get started with $250
Regions Money Market IRA
Investment IRA*
- Tax Advantages
Custom plan is developed with FA
Can manage any existing plans currently in place with other institutions
IRA account that earns interest at a fixed rate for the term of the time deposit. 2
IRA account that allows for regular deposits and/or the rollover of IRA funds at any time. 2
Work with a Financial Advisor to choose from a full range of investment choices. 2
