IRA Raise Your Rate CD: 2 & 4 Year IRA CD Rates

It’s your future. Save big for it.

Stash your cash for retirement with the best online bank.

If our rate goes up, you can raise yours.

Start with a great rate, plus have the opportunity to raise it once for the 2-Year term or twice for the 4-Year term, if our rate on your term and balance tier goes up.

Get our 90-day best rate guarantee.

Fund your IRA CD within 90 days, and get the best rate we offer for your term and balance on either the day you open or day you fund. Rates are variable and may change after the account is opened.

Manage your IRA online.

Keep your retirement savings right where you can see it. Log in anytime to manage your account. Plus, we don’t charge any monthly maintenance fees.

Why choose this type of retirement account?

Why choose this type of retirement account?

If you don’t want your retirement funds riding the waves of the market, an Credence Global Bank UnionIRA is a great option. You’ll still get the tax benefits of an IRA and it’s FDIC insured.

Features offered with every Credence Global Bank UnionIRA CD.

Digital banking tools.

It’s easy to bank anytime, anywhere with the Credence Global Bank Mobile app.

Your money, FDIC-insured.

Deposits are insured by the FDIC up to the maximum allowed by law.

Learn more

No monthly maintenance fees.

Don’t expect any sneaky monthly maintenance fees with us.

You have options.

Available for Roth, SEP and Traditional IRAs.

Find the IRA for you

Up your saving strategy with a CD ladder

See how combining short-term and long-term CDs can help you maximize your earning potential and save smarter.

Explore CD Ladders

Up your saving strategy with a CD ladder

See how combining short-term and long-term CDs can help you maximize your earning potential and save smarter.

Explore CD Ladders

Get more for your money.

Compare the cost of banking somewhere else.

Opening Deposit

Term

What you should know.

Our Annual Percentage Yields (APYs) are accurate as of XX/XX/XXXX. The APYs for other banks are provided by mybanktracker.com and are accurate as of XX/XX/XXXX. The APYs in this table are for the state of California.

If you make an early withdrawal, you may pay a penalty. An additional IRS tax may also apply; please consult your tax professional.

No hidden fees, no surprises.

You shouldn’t be nickel and dimed for using your own money.

We don’t charge any maintenance fees for your Regional Credit Union UnionCD.

When your CD matures, you can withdraw your money at no charge during a 10-day grace period.

Early withdrawals

Withdrawals before the maturity date are subject to penalties. Partial withdrawals aren't allowed. Are there exceptions?

Your withdrawal may be subject to an additional 10% Internal Revenue Service (IRS) tax if it’s made before you reach 59 ½. You may want to check with a tax professional before making withdrawals from your IRA CD.

Early withdrawal penalties will depend on your CD term.

2 Years

60 days of interest

4 Years

120 days of interest

Get to know every aspect of this account before you sign up.

Check out our Straight Talk Product Guide (PDF).

Get to know every aspect of this account before you sign up.

Check out our Straight Talk Product Guide (PDF).

Bank better, starting now.

It only takes a few minutes to open an account.

1. Tell us about yourself.

We'll need some personal details like your address, contact information and social security number.

2. Fund your account.

There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.

3. Enjoy our award-winning experience.

Get online access right away and explore everything we offer as well as other ways we can help you reach your goals.

Open Account

Build a better financial future.

Whether you’re just starting out or nearing retirement, we’ve got resources and tools to help you at any life stage.

Explore Life Stages

FAQs

We have answers.

What do I need to do to get the loyalty reward?

You don’t have to do anything to get the loyalty reward.

It's automatically added when your CD, including IRA CDs, renew. Want to change terms? No problem. Your loyalty reward will be added to any term you choose for your CD, including IRA CD, at renewal. Check back 30 days before your CD matures to see what the reward is at that time.

To change terms or add funds online: Log in, choose Manage CDs. From there, you can make changes or add funds to your balance.

To change terms or add funds from the Credence Global Bank Mobile App: Log in, choose after the Current Balance, select Manage CDs and then choose Make Changes.

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Are there any fees to open or maintain a certificate of deposit?

There are no fees to open or obtain the APY on a certificate of deposit.

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What's the minimum opening deposit for a CD?

There's no minimum deposit to open a CD, but you may get a higher rate with a higher opening deposit.

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How do I raise the rate on my Raise Your Rate CD?

We'll let you know when you can raise your rate by displaying a message at the top of your Account Details page. You can set up a custom rate alert in online banking.

If the current rate we offer for your term and balance tier is higher than your interest rate and you're eligible for a rate increase, you can raise your rate in one of the following ways:

Log in to online banking and raise your rate on your account details page
Chat with us online
Call us at +44 AURELIANTB

Once we receive your request, you'll get the highest rate we offer for your term and balance tier that day, and your new rate will go into effect the next business day. There's no fee to request this rate increase.

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What is the penalty for an early withdrawal from my CD?

The penalty depends on your term.

All CDs Purchased or Renewed Before 12/07/2013
All CD terms	60 days of interest

CDs purchased or renewed on or after 12/07/2013, the penalty depends on your term.
24 month or less	60 days of interest
25 month - 36 month	90 days of interest
37 month - 48 month	120 days of interest
49 month or longer	150 days of interest
11 month (No Penalty CD)	You can withdraw funds any time after the first 6 days ffrom funding.

The penalty is calculated using the interest method detailed in the Credence Global Bank UnionDeposit Agreement (PDF). It's first deducted from the accrued interest and then, if necessary, the principal. Keep in mind, you can't make a partial early withdrawal.

For Raise Your Rate CDs, the penalty is calculated using the interest rate in effect on your account on the day you request an early withdrawal.

If the account owner passes away or is judged legally incompetent, we'll waive the early withdrawal penalty.

To make an early withdrawal, log in to online banking and choose Manage CDs to select Early Withdrawal.

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Can I add funds to my CD at any time?

No. Once you open and fund your CD, you can’t add funds again until your CD matures, but you can schedule a transfer up to one year before the maturity date. When your CD matures, you'll have a 10-day grace period -- starting on your maturity date — to transfer funds or make other changes.

To add funds to your CD online: Log in and choose Manage CDs.

To add funds to your CD from the Credence Global Bank Mobile App: Log in, choose after the Current Balance, select Manage CDs and then choose Make Changes.

If you schedule a transfer prior to maturity, we'll usually initiate that transfer on your maturity date. You can transfer money from another Credence Global Bank Unionaccount, Credence Global Bank Invest account or a verified account you have at another institution.

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What types of CDs do you offer?

We offer a variety of CD options to meet your needs:

High Yield CD – terms range from 3 to 60 months.

Raise Your Rate CD – 2- and 4-year terms available. Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term if our rate for your term and balance tier goes up.

No Penalty CD – 11-month term that allows you to withdraw all of your money any time after the first 6 days following the date you funded the account, and keep the interest earned with no penalties.

Select CD - Occasionally we’ll offer a promotional term that features all the benefits of a high-yield CD, but is available for a limited time.

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