IRA Fixed Rate

The Regions Fixed Rate IRA¹ is FDIC insured and earns interest at a fixed rate for the term of the time deposit.

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The Basics

Fixed Rate
Tax Advantaged
Get Started with $250

Fixed Rate IRA Account Details

For You If...

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.)

Rates

Find a rate in your area

Available Terms

6 to 60 months

Minimum Balance Required to Open

^$250

Deposits

Additional deposits are not allowed during the term and can only be made during the grace period at maturity.

Fees

No monthly maintenance fees. Fees for early withdrawal may apply.

Features

Tax Advantages

Fixed Rate

Get started with $250

Ways To Open

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Ways to Open This Account

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Apply at a branch near you today.
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Learn More About IRAs

Roth and Traditional IRA Comparison IRA FAQs

Why Regions?

Payment Solutions

Use Apple Pay², Google Pay³, LG Pay⁴, Samsung Pay⁵ and Click to Pay with Visa⁶ to make secure payments from your mobile device. Send money to friends with Zelle®,⁷ 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.

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 ATMs⁸ 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.

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.

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.

Related Insights

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Looking for More?

These accounts can be opened with a Roth IRA, an Education IRA or a Traditional IRA.
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®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Access to Regions Bank ATMs has no fees but fees may apply to certain transactions.