Traditional & Roth IRA CD Accounts with TAB Bank
Build your retirement savings with the reliability of a fixed-rate IRA CD account.
A TAB Bank IRA CD combines the tax advantages of an Individual Retirement Account (IRA) with the predictability of a Certificate of Deposit. Choose from Traditional IRA or Roth IRA options, lock in a fixed CD rate for your selected term, and grow your retirement savings with confidence.
What is an IRA CD Account?
An IRA CD account is a retirement account that holds funds in a Certificate of Deposit (CD). Instead of investing retirement dollars in stocks, bonds, or mutual funds, an IRA CD provides a fixed rate for a specific term. That can make it a helpful option for savers who want predictable growth, lower market exposure, and a clear timeline for their retirement funds.
TAB Bank offers IRA CD options for customers who want the structure of a Traditional IRA or Roth IRA with the stability of a CD. With an IRA CD, your funds are deposited for a selected term and earn interest at a fixed rate through the CD’s maturity date.
Select a term to view current rate information
$1000
Minimum Opening Deposit
4.05%
Annual Percentage Yield
$1000
Minimum Opening Deposit
4.10%
Annual Percentage Yield
$1000
Minimum Opening Deposit
4.15%
Annual Percentage Yield
$1000
Minimum Opening Deposit
4.20%
Annual Percentage Yield
$1000
Minimum Opening Deposit
4.20%
Annual Percentage Yield
$1000
Minimum Opening Deposit
4.20%
Annual Percentage Yield
Rates are current as of August 26, 2026.
This offer is good on new IRA CDs only. The minimum balance to open an IRA CD is $1,000. The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. You must maintain the minimum balance indicated in the table above to earn the disclosed APY. A penalty may be imposed for early withdrawal. Calculations of the APY assume interest is credited to the account monthly.
Additional tax implications may apply to IRA withdrawals, rollovers, or transfers. Please consult a tax advisor about your individual situation.
The standard deposit insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category (learn more).
How to Get Started with a TAB Bank IRA CD Account
TAB aims to make opening an IRA CD account as painless as possible. Whether you are creating a new IRA account or rolling over an existing IRA from another financial institution, our team of professionals will help guide you through the process.
- Tell us you’re interested
Fill out the form on this page or call 1-800-215-7128 during standard business hours. - Get matched to an IRA CD professional
A member of TAB Bank’s New Accounts team will reach out to provide you personalized assistance, answer your questions, and help you understand the available IRA CD options. - Choose the IRA CD option that fits your retirement goals
Our team can help you review the Traditional IRA CD and Roth IRA CD options, available CD terms, current rates, and the steps needed to open or transfer your account. - Completed the required paperwork
If you are opening a new IRA CD account, our team will walk you through the required account setup documents. If you are rolling over or transferring an existing IRA from another institution, we will help you understand what information is needed to complete the transfer properly. - Fund your IRA CD account
Once the required paperwork is complete, your IRA CD account can be funded according to the applicable account instructions. IRA transfers are generally straightforward, but they should be completed carefully to help avoid potential tax implications.
Why Choose an IRA CD from TAB Bank?
Click to learn more about each item
Traditional IRA CD vs. Roth IRA CD
Traditional IRA CD
A Traditional IRA gives you a tax deduction on money that’s invested in your retirement fund. All the money you put into the IRA along with the investment earnings that accumulate are not taxed until they are withdrawn. After a specified age (72, 73, or 75, determined by birth year), you must start taking distributions and will need to pay income taxes at that time.
A Traditional IRA CD may be a fit if you want to:
- Save for retirement in a tax-advantaged account
- Lock in a fixed CD rate for a defined term
- Defer taxes on eligible earnings until withdrawal
- Add a conservative deposit option to your retirement strategy
- Add predictable, fixed-rate growth to your retirement savings plan
- Transfer or roll over traditional retirement funds from another institution
Roth IRA CD
A Roth IRA CD allows you to save after-tax dollars for retirement. Contributions are not deductible but may grow tax-free with no required minimum distribution. Principal funds can be withdrawn tax-free at any age and earnings may be withdrawn penalty- and tax-free after the age of 59 1/2, as long as the account has been opened for five years.
A Roth IRA CD may be a fit if you want to:
- Save after-tax dollars for retirement
- Lock in a fixed CD rate for a defined term
- Potentially make qualified, tax-free withdrawals (including potential heirs if IRA is passed on)
- Avoid required minimum distributions as the original Roth IRA owner
- Add predictable, fixed-rate growth to your retirement savings plan
- Transfer or roll over Roth retirement funds from another institution
Choosing the Right IRA CD
The best IRA CD for you depends on your retirement goals, tax situation, income, age, and future withdrawal plans. TAB Bank’s IRA CD team can explain available account options but customers should consult a qualified tax advisor to determine which IRA account type is best for their individual circumstances.
Transferring or Rolling Over an IRA to TAB Bank
If you already have an IRA at another financial institution, you may be able to transfer or roll over those funds into a TAB Bank IRA CD account. TAB Bank’s IRA CD team can advise on the appropriate steps to take for a seamless account transfer or rollover.
IRA transfers and rollovers are generally straightforward, but it is important that they are completed correctly. Processing the transfer properly can help avoid potential tax implications and ensure your retirement funds are moved according to applicable IRA rules.
