IRA Rates

Deposit accounts are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.

1. The Annual Percentage Yield (APY) and Interest Rate (collectively referred to as rates) and product information are accurate as of the date issued above and subject to change at any time. Annual Percentage Yield is a percentage rate reflecting the total amount of interest paid on an account, based on the current Interest Rate compounded daily for a period of one year assuming no fees, additional deposits or withdrawals, and the interest rate remains the same for the entire year. The Interest Rate is the annual interest paid represented as a percentage assuming no change in rate and does not reflect compounding.

   The APY and interest rates for Retirement Insured Money Market (IMMA) accounts are based on your Balance Range in your IMMA account. Citi may assign the same APY or interest rate to more than one balance range. Annual Percentage Yields and interest rates for IMMA accounts are variable, determined by Citibank at its sole discretion, can change before and after account opening without notice. This may affect the actual amount of interest earned. A withdrawal will reduce earnings. The APY and interest rates for IMMA accounts are based on your Balance Range in your IMMA account. Citi may assign the same APY or interest rate to more than one balance range. See the IRA/Keogh Plan Documents for balance ranges.

   IRA accounts in simplified banking: Balances in EDI Accounts linked to IRA IMMA accounts will not be included in your IRA account balance calculation, even though they will contribute to your CAMB. 

    
2. Annual Percentage Yields (APY) and interest rates for Retirement Certificates of Deposit (CD) are determined by Citibank at its sole discretion and can change at any time without notice before a term begins for new and renewed CDs. Interest rates are fixed for the CD term. APY assumes the full balance and interest will remain on deposit in the CD account until maturity. A withdrawal will reduce earnings. For new CDs, the APY and interest rate are based on the CD type and CD term. For renewing CDs, the APY and interest rate will be the APY and interest rate in effect on the CD renewal date for the CD type and CD term. Citi reserves the right to apply an APY based on account balance using the applicable balance range to determine your APY and interest rate; account balance may not be a factor for all CD terms. When the APY and interest rate are based on account balance, the applicable balance range will be used to determine your APY and interest rate. Except where indicated, the APY and interest rate for a CD term applies to all balance ranges. CDs automatically renew for the same term at the APY and interest rate in effect on the CD renewal date unless you make a change during the grace period. $250 minimum deposit required to open a Retirement CD. See the IRA/Keogh Plan Documents for balance ranges.