IRA Certificates of Deposit
Save for retirement with confidence. An Advia Credit Union IRA CD gives you a guaranteed return, a low $500 minimum, and the flexibility to choose between a Traditional or Roth option. Your money grows steadily so the retirement you've been planning stays on track.
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What is an IRA CD?
An IRA certificate of deposit is a savings product held inside a Traditional or Roth IRA that earns a fixed interest rate over a set term. Unlike a regular CD, the earnings in an IRA CD can grow tax-deferred or tax-free, depending on your account type. It's a low-risk option for members who want predictable growth and protection from market swings.
- Guaranteed return with a fixed rate for the full term
- Federally insured by NCUA up to $250,000 per depositor
- Interest paid and compounded monthly
- Low $500 minimum deposit to open
- Flexible IRA CD terms from 3 to 60 months
- Available as a Traditional IRA CD or Roth IRA CD
Why open an IRA CD?
An IRA CD gives you a steady, predictable way to grow your retirement savings without the uncertainty of market-based investments. Here's why it may be a great fit:
- Lock in competitive IRA CD rates for the full length of your term
- Grow savings tax-deferred (Traditional) or tax-free (Roth)
- Protect your retirement contributions from market volatility
- Earn more with Advantage Plus Rewards on eligible IRA CDs
- Choose a term that aligns with your retirement timeline
- Pair with an IRA Share Savings account for added flexibility
Which IRA CD is right for you?
Both IRA CD options give you a guaranteed return with a low $500 minimum. The difference comes down to when your money is taxed and what fits your retirement plan best.
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IRA CD Col #1
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Traditional IRA CD
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Roth IRA CD
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|---|---|---|
| Tax on contributions | Contributions may be tax-deductible¹ | Contributions are made with after-tax dollars |
| Tax on withdrawals | Taxed as income when you withdraw in retirement | Qualified withdrawals in retirement are tax-free¹ |
| Required minimum distributions | Yes, starting at age 73 | No required minimum distributions during your lifetime |
| Best if you... | Want the potential to reduce your tax bill now | Want tax-free income when you retire |
Current IRA CD Rates
We offer competitive IRA CD interest rates across flexible terms so you can find the right fit for your retirement goals.
IRA CD APY (earn up to):
4.51%
7-Month Promo with Advantage Plus Rewards2
Annual Percentage Yield (APY) is accurate as of .
How an IRA CD works.
A few simple steps to start growing your retirement savings with a guaranteed return.
Schedule an appointment at your local branch
Choose your IRA type (Traditional or Roth) and select a term
Make your opening deposit of $500 or more
Watch your retirement savings grow with monthly compounding interest
Estimate your retirement savings growth.
Ready to start earning a guaranteed return on your retirement savings?
Open an IRA CD at Advia and lock in competitive rates with the security of a fixed term. Whether you choose a Traditional or Roth IRA, your savings grow steadily, backed by a guaranteed return.
Frequently Asked Questions
An IRA CD, or IRA certificate of deposit, is a savings product held inside a Traditional or Roth Individual Retirement Account. It earns a fixed interest rate for a set term, giving you a guaranteed return on your retirement contributions. Unlike market-based investments, your principal is protected and your rate is locked in for the full term.
With a Traditional IRA CD, your contributions may be tax-deductible and your earnings grow tax-deferred until you withdraw them in retirement. With a Roth IRA CD, you contribute after-tax dollars, but qualified withdrawals in retirement are completely tax-free. The best choice depends on whether you prefer a tax benefit now or in retirement.
Advia offers IRA CD terms ranging from 3 months to 60 months. We also offer promotional terms, like our 7-month and 21-month promo IRA CDs, which may offer higher rates for a limited time. You can view all current terms and rates on our IRA CD Rates page.
You can open an IRA CD at Advia with a minimum deposit of just $500. There are no monthly maintenance fees, and interest is paid and compounded monthly.
IRA CDs are fixed-term products, so you can't add funds to an existing certificate once it's opened. However, you can open additional IRA CDs at any time, and you can pair your IRA CD with an IRA Share Savings account for more flexible contributions throughout the year.
Still have questions about IRA CDs?
We're here to help. Chat with Ava, call 844.ADVIA.CU, schedule an appointment, or stop by any branch.
- Traditional IRA contribution deductibility and Roth IRA tax-free withdrawal eligibility are subject to IRS rules and limitations. Tax treatment depends on your individual circumstances. Please consult a qualified tax advisor regarding your specific situation. This information is provided for general educational purposes and is not intended as tax, legal, or financial advice.
- Annual Percentage Yield of 4.51% to be paid on balances in 7-Month Promo CD when account activity meets qualifications as Advantage Plus Rewards at time of opening. Account activity that does not meet Advantage Plus Rewards qualifications will earn an APY of 4.25%. APY is accurate as of 06/16/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Early CD withdrawal penalties may apply. 7-Month Promo rate terms to revert to non-promo 6-Month terms upon maturity. $500 minimum balance. See adviacu.org/APlus for qualifications.
All offers and rates subject to change at any time. Restrictions apply.