18-Month Variable Rate IRA[1]

This 18-month variable rate IRA[1] is FDIC insured and earns interest at a rate that is comparable to the prevailing rate in the market.[2]

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Features of the 18-Month Variable Rate IRA[1]

$0 monthly maintenance fees. Fees for early withdrawal may apply.

Additional deposits allowed[3]

Get started with $250[4]


18-Month Variable Rate IRA details

  • Rates

    • Rate is equal to the most recent discount auction rate of the six-month Treasury Bill plus 0.25%.[2]

    Annual Percentage Yield (APY)


    • Available term is 18 months
    • Can be automatically renewed
  • Minimum balance

    • $250[4] minimum opening deposit required
  • Additional deposits

    • Additional deposits of $50 or more can be deposited any time during the 18-month term[3]. Additional deposits do not extend the original maturity date.
    • The rules for withdrawing from an IRA vary depending on age and the type of IRA. Visit the IRS website for more information on IRA withdrawals.
    • No monthly maintenance fees
    • Fees for early withdrawal may apply

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