Retire on your terms and save smarter for your future with tax-advantaged1 IRAs.
12 Month IRA CD
4.00% APY*
24 Month IRA CD
3.50% APY*
36 Month IRA CD
3.50% APY*
48 Month IRA CD
3.50% APY*
*Annual percentage yields (APYs) effective as of 12/16/25 and are subject to change. $1,000.00 minimum to open. All balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Penalty based on term and principal amount withdrawn. Penalties may affect principal balance and are as follows: 90 days interest for terms less than or equal to 12 months, and 180 days interest for terms over 12 months. IRA CD: Withdrawals before age 59 1/2 may be subject to a 10% federal tax and possible state tax, in addition to an early withdrawal CD penalty. IRA contribution limits apply. Restrictions may apply.
Key Features
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Easy Eligibility
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Reliable Returns
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No Setup or Annual Fees
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Online Account Opening
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Seattle Bank offers IRA CD accounts with standard terms of 12 months to 60 months. Our IRA CDs can be opened online easily and securely, as well as in-person.
- $1,000 minimum deposit to open
- 12 month to 60 month terms available
- Tax-advantaged retirement savings1
- Traditional, Roth, Inherited and SEP IRA options available
- No setup or annual maintenance fees
- IRA annual contribution limits apply
- Add on contributions are limited to annual contributions in the amount under 26 U.S. Code Section 219 (b)(5)(A) and (B), as annually adjusted by the Secretary of the Treasury for cost-of-living increases.
- Interest rate is fixed for duration of term
- Interest compounded daily, paid quarterly
- Penalty assessed for early withdrawal*
- 10-day grace period upon maturity
- Online account opening available for Traditional, Roth and SEP IRAs
- Please note that we do not provide tax advice. We recommend that you consult your tax advisor regarding the potential tax implications of any IRA contributions, withdrawals, or conversions.
*Annual percentage yields (APYs) effective as of the date shown above and are subject to change. $1,000.00 minimum to open. All balances earn disclosed APY. Rates and APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Penalty based on term and principal amount withdrawn. Penalties may affect principal balance and are as follows: 90 days interest for terms less than or equal to 12 months, and 180 days interest for terms over 12 months. IRA CD: Withdrawals before age 59 1/2 may be subject to a 10% federal tax and possible state tax, in addition to an early withdrawal penalty. IRA contribution limits apply. Restrictions may apply.
1Consult a tax advisor.
