Fixed Rate IRAs

Depositor's IRAs are designed for investors who need to build their IRA funds through contributions made at maturity and for those who want the assurance of a known return that a Fixed Rate Time Deposit1 (similar to a Certificate of Deposit) offers.

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  Fixed Rate IRA
Balance Required to Open
  • $250

Account Benefits

  • You may choose from a Traditional IRA, Roth IRA, or Coverdell Education Savings Account
  • Interest rate fixed for the term of the time deposit within the IRA —terms range from 6 to 60 months
  • FDIC insured to the maximum allowed by law

Interest Earned

  • Compounded daily, paid quarterly on entire balance (unless set up for interest disbursements
Additional Deposits
  • Additional deposits are permitted during the grace period
Interest Tiers
  • Pays interest on all balances

Monthly Fee

  • None

Minimum Daily Balance Required (to waive monthly fee)

  • Not applicable


  • Annual

Bank where, when, and how you like

  • Access your account 24 hours a day, 7 days a week through Regions Online Banking or 1-800-REGIONS
  • Visit any one of our 1,630 branches in 15 states

How to Apply

For more information, contact the Regions IRA Service Center at 1-800-388-4727.

Please consult a legal or tax professional for investment and/or tax advice.

1. These accounts can be opened with a Roth IRA, Education IRA or a Traditional IRA.