Compare our Retirement IRA CD rates and save more for your retirement with Advia.

Account Type Dividend Rate (interest) Base APY* Advantage Plus Rewards APY**
IRA CD 60-Month 2.716% 2.75% 3.01%
IRA CD 48-Month 2.716% 2.75% 3.01%
IRA CD 36-Month 2.472% 2.50% 2.75%
IRA CD 28-Month Promo*** 3.687% 3.75% 4.00%
IRA CD 24-Month 1.982% 2.00% 2.25%
IRA CD 14-Month Promo*** 3.687% 3.75% 4.00%
IRA CD 12-Month 1.736% 1.75% 2.00%
IRA CD 6-Month 1.490% 1.50% 1.75%
IRA CD 3-Month 1.292% 1.30% 1.55%
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*Annual Percentage Yield (APY) is accurate as of 01/20/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Subject to penalty for early withdrawal. $500 minimum balance.
**Advantage Plus CD Rate Premium = 0.25% APR on new CDs (excluding EZ Saver CDs); will be applied for the full term of the CD held. See certificate for details. All rates and promotional offers associated with Advantage Plus are subject to change at any time. See Advantage Plus Rewards page for qualifications.
*** Promotional rate effective 01/20/2026, and is subject to change at any time. 14 and 28-month promo rate terms to revert to non-promo 12 and 24-month terms respectfully upon maturity. See certificate for details.

All offers and rates are subject to change at any time. Restrictions apply.