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

  • withdrawals

    Fixed Rate

  • flexible terms

    Tax Advantaged

  • 250 dollar minimum deposit

    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.)
Available Terms
6 to 60 months
Minimum Balance Required to Open
Additional deposits are not allowed during the term and can only be made during the grace period at maturity.
No monthly maintenance fees. Fees for early withdrawal may apply.
  • Tax Advantages

    Fixed Rate

    Get started with $250

Ways to Open This Account

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.


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


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.


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.