IRA 18-Month Variable Rate

The Regions 18-Month IRA1 is FDIC insured and earns interest at a rate that is comparable to the prevailing rate in the market.2

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The Basics

  • flexible terms

    Tax Deferred

  • withdrawals

    Additional Deposits

  • 250 dollar minimum deposit

    Get Started with $250

18-Month Variable Rate IRA Details

For You If...
You want a tax-advantaged retirement savings account that offers a variable interest rate2 over a fixed 18-month term. (Available for Traditional IRAs only)
Rate is equal to the most recent discount auction rate of the six-month Treasury Bill plus 0.25%.2 Find a rate in your area.
Available Terms
Minimum Balance Required to Open
Additional deposits of $50 or more can be made anytime during the 18-month term. Additional deposits do not extend the original maturity date.
No monthly maintenance fees. Fees for early withdrawal may apply.
  • Tax Advantages

    Additional Deposits Allowed3

    Get Started with $2504

    Can Be Automatically Renewable

Ways to Open This Account

Why Regions?


Bank when and how you want with Mobile Banking, Online Banking with Bill Pay and free access to more than 1,900 ATMs5 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.


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

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.

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.

Payment Solutions

Use Apple Pay6, Google Pay7, LG Pay8, Samsung Pay9 and Click to Pay with Visa10 to make secure payments from your mobile device. Send money to friends with Zelle®,11 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.