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18-Month Variable Rate IRA
Fixed Rate IRA
Money Market IRA
Investment IRA

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Regions 18-Month Variable Rate IRA

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

Regions Fixed Rate IRA

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

Regions Money Market IRA

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

Investment IRA*

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

For You If...

Regions 18-Month Variable Rate IRA

You want a tax-advantaged retirement savings account that offers a variable interest rate¹ 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

Find a rate in your area

Regions Money Market IRA

Find a rate in your area

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

Tax Advantages

Additional Deposits Allowed⁴

Get Started with $250⁵

Can Be Automatically Renewable

Regions Fixed Rate IRA

Tax Advantages

Fixed Rate

Get started with $250

Regions Money Market IRA

Tax Advantages

Deposits/Withdrawals allowed at Any Time⁶

Get Started with $50⁷

Investment IRA*

Tax Advantages

Custom plan is developed with FA

Can manage any existing plans currently in place with other institutions

Regions 18-Month Variable Rate IRA

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

Visit a Branch

Regions Fixed Rate IRA

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

Visit a Branch

Regions Money Market IRA

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

Visit a Branch

Investment IRA*

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

Connect with a Financial Advisor

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.
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
Additional deposits are permitted during the 18-month term, with a minimum of $50.
Minimum opening deposit amount of $250.
Additional deposits of $25 or more can be made at any time.
Minimum opening deposit amount of $50.