IRA Certificate of Deposit

Be ready for what’s ahead.

Open an Account
It’s never too early to plan for your future. IRA CDs are a simple way to enjoy guaranteed returns—and the peace of mind that comes with them.
2.65%APY
12-month term
2.70%APY
24-month term
3.00%APY
5-year term

Deciding between Roth and Traditional IRA CDs.

Compare the two types of IRA CDs to see which is right for you.

Roth IRA CD

Pay now, save later

Funded with after-tax dollars.

Earnings and qualified withdrawals are tax-free.

Contributions are not tax deductible.

 Limitations apply

Traditional IRA CD

Earn now, pay later

Funded with pre-tax dollars.

Earnings are tax-deferred.

Contributions are tax-deductible up to certain income limits

 Limitations apply

Roth IRA CD

Get taxes out of the way

Think your tax rate will be higher when you withdraw? Go with a Roth IRA.

Traditional IRA CD

Pay taxes later

Think your tax rate will be lower when you withdraw? Choose a Traditional IRA.

Roth IRA CD

Anyone with taxable earned income within IRS limits

(limits based on income and tax filing status).

Traditional IRA CD

Anyone under 70½ with taxable earned income

(income limits apply for tax-deductible contributions)

Roth IRA CD

Withdraw anytime

Withdraw contributions without IRS penalty at any time.

Traditional IRA CD

Withdraw when you’re 59½

Withdraw contributions and earnings without IRS penalty at age 59½.

Distributions are required to start by age 70½.

Get a head start with investments from elsewhere.

You can move retirement savings from other accounts into one of our IRA CDs in two ways.

Rollovers
  • Easily move money from other retirement accounts into one of our IRA CDs.
  • Get tax benefits and earn guaranteed returns while avoiding fees.
  • Simplify your investment portfolio by consolidating into one IRA CD.
Transfers
  • Easily transfer an IRA from another financial institution to one of our IRA CDs.
  • Transfer money from another IRA plan to your IRA CD as many times as you want.
  • Combine smaller IRAs into one larger account that’s easy to keep track of.

It all adds up to more freedom down the road.

See how our IRA CD interest rates compound your money over time so your earnings are there when you’re ready to retire.

GDI DIGITAL
2.65% APY
U.S. Bank
0.10% APY
Bank of America
0.40% APY
Capital One
2.70% APY
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12-month CD
12 mo

Initial deposit

$
Earned interest with GDI DIGITAL
$663 12-month CD 2.65 % APY

Get started with as little as $2,500.

Yes, Please

Watch your earnings grow, on the go.

Check in on your IRA CD from anywhere.

SIMPLE TO USE QUICK VIEW
Check on your account easily. Anytime. You can even skip the passcode and log in with touch or face ID.
Enable Quick View to check your account balance without logging in each time.

Modern Money News

Get help planning for your retirement—and making the most of it when the time comes.

  • From Your 20s Through Your 60s: Retirement Savings Mistakes to Avoid

    No matter your age, there are steps to take to ensure retirement bliss is in your future.

    “The realization that you need to make changes in order to enjoy a comfortable retirement actually puts you ahead of most folks. Now it’s time for you to steadily build on that lead.”

    – Ian Atkins, analyst and staff writer for Fit Small Business

    Read full article

  • 10 Tips for Catching Up on Retirement Savings

    Need to get your retirement savings back on track? Start with these 10 tips.
    While retirement is a lifetime goal for many people, some arrive unprepared. Once you begin to make changes and start saving, you may be surprised by how quickly your retirement funds add up.
    Read full article

  • Should Rising Interest Rates Affect Your Retirement Plans? A Step-by-Step Guide

    Whether you're 25 or 65, don't let rising interest rates derail your retirement plan.

    “I am not a big fan of large changes in overall retirement planning strategies in anticipation of changes in interest rates. Interest rates rise and fall, and making wholesale changes is not advisable because it can lead to large portfolio turnover.”

    – Robert R. Johnson, co-author of the book “Invest with the Fed: Maximizing Portfolio Performance by Following Federal Reserve Policy”

    Read full article

  • IRAs: Save for a Secure Future

    Whether you’re retiring soon or just starting out, an IRA is a great place to save.
    First, decide at what age you’d like to retire—then determine how much money you’ll need each month to maintain your lifestyle. Online IRA savings calculators can help you figure out how much money you’ll need to live comfortably.
    Read full article

  • What a Ring, Pacifier and Diploma Mean for Family Financial Planning

    Big life events like weddings, babies and sending kids to college equire big changes to your financial plan.
    Bridget Handke, certified financial planner of Birchwood inancial Partners, a financial planning and investment management firm, encourages parents to keep in mind their own ability to save for retirement when helping support adult children.
    Read full article

Here’s to you, and your future.

The sooner you lock in your IRA CD interest rate, the sooner your earnings add up.

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