Plan for your retirement with guaranteed growth and FDIC-insured protection.

As millions of Americans have already discovered, IRAs are one of the best savings tools available today. More people than ever before are now eligible to take advantage of the tax advantages available through IRAs. Start with as little as $1,000.

To learn more about the benefits of IRAs, contribution limits, or even to analyze whether it makes sense to convert a Traditional IRA to a Roth IRA, visit our IRA Service Center.

IRA CD Rates

Term
Interest Rate
Annual Percentage Yield (APY)
Early Withdrawal Penalty*
12 Months Open
Interest Rate
1.00%
Annual Percentage Yield (APY)
1.00%
Early Withdrawal Penalty*
180 Days interest
18 Months Open
Interest Rate
1.15%
Annual Percentage Yield (APY)
1.16%
Early Withdrawal Penalty*
180 Days interest
24 Months Open
Interest Rate
1.30%
Annual Percentage Yield (APY)
1.31%
Early Withdrawal Penalty*
360 Days interest
36 Months Open
Interest Rate
1.50%
Annual Percentage Yield (APY)
1.51%
Early Withdrawal Penalty*
360 Days interest
48 Months Open
Interest Rate
1.75%
Annual Percentage Yield (APY)
1.76%
Early Withdrawal Penalty*
360 Days interest
60 Months Open
Interest Rate
2.15%
Annual Percentage Yield (APY)
2.17%
Early Withdrawal Penalty*
360 Days interest
Money Market IRA Open
Interest Rate
0.80%
Annual Percentage Yield (APY)
0.80%
Early Withdrawal Penalty*
None

*Rates above apply to all balance levels. Rates last updated __DATE__. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. IRA CD rates are guaranteed as of the postmark date on the envelope containing the signed application and funding for the account. Interest is compounded and credited monthly. APYs assume interest remains on deposit until maturity. A withdrawal may reduce earnings. You have the option to use our online banking, mobile banking, and telephone banking systems to get information about your CD. First IB will send you an annual recap of your IRA activity shortly after the first of each year. First IB does not issue monthly statements for IRAs, unless you have your monthly interest or Required Minimum Distribution automatically deposited to another account or you have other checking and/or savings accounts with us.

How Can We Help?





X

It's Different Here!

X

Save Money on Your Mortgage!

Get Your FREE Custom Rate Quote in 3 Simple Steps

CUSTOM RATE QUOTE

Step 1

Step 2

Step 3

Get Your Quote

Save Money on Your Mortgage!

Get Your FREE Custom Rate Quote in 3 Simple Steps

Highly likely to recommend

Seamless Experience - John, Arkansas

“I found First IB online. I was a little skeptical at first, but I couldn't have been more wrong! We were moving from MI to AR, working with a different realtor on each end, and First IB made the purchase of our new home seamless. The...mortgage we received is piece of mind for the future and we couldn't be more satisfied with the service... “

Highly likely to recommend

Worked Around My Schedule - Sean, Missouri

“My experience with First Internet Bank was amazing. Everything was done as quickly as possible and there was help every step of the way. I was busy traveling for work and they were able to keep me updated and work around my schedule. I would highly recommend First Internet Bank.”

Highly likely to recommend

Best Lender Experience - Ryan, Arizona

“This was the first time I've used an online lender and I would definitely use First IB again...The local lenders warned that I wouldn't get personal service using an online lender and warned me against it. I'm glad I ignored them because my experience was one of the best I've had with a lender. I wouldn't hesitate to use this lender again!“

Get Your Free Personalized Rate Quote

Step 1

Step 2

Step 3

Credit Profile

Property Use

Home Value

Current Mortgage
Balance

Down Payment

Desired Loan Amount

Get Your Free Personalized Rate Quote

Step 1

Step 2

Step 3

Contact Information

* Indicates a required field.

Thanks for your request from First IB

Thanks for requesting a rate quote from First Internet Bank! We will contact you shortly to provide your personalized rate quote and one-on-one consultation.

To speak with a mortgage expert immediately, call us toll-free at 1-855-707-2775. You can also check the latest rates on our website.

We look forward to speaking with you soon!

Return To Website