IRA Certificate of Deposit Rates

You're still working- make sure your retirement account is, too. Take actions now that will help you secure your financial independence when you retire. Transfer funds from your existing IRA or open a new account with our IRA certificates of deposit and enjoy a guaranteed rate of return with FDIC insurance protection.

Maximize your retirement planning with either a Traditional or Roth IRA.

To open a new IRA Retirement Account, visit your nearest branch.

Fremont Bank's IRA Certificates of Deposit offer highly competitive rates, a range of terms and deposit level choices that allow you to optimize your earnings for your retirement objectives.

  • Minimum deposit only $500*
  • Maximum deposit up to $250,000 for 7, 11, 33, 44 and 55 month terms

IRA Interest Rates

TermInterest RateAPY**Interest RateAPY**Interest RateAPY**Interest RateAPY**
$500 - $49,999$50,000 - $99,999$100,000 - $1,000,000$100,000 and Over
6 Month0.75%0.75%1.00%1.00%1.24%1.25%1.24%1.25%
9 Month3.25%3.30%3.25%3.30%3.25%3.30%3.25%3.30%
12 Month1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
18 Month1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
2 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
3 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
4 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
5 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%

*Each tier shown reflects the balance required to obtain the applicable Annual Percentage Yield (APY). Minimum balances required to open and earn the disclosed Annual Percentage Yield. **The Annual Percentage Yield (APY) is accurate as of 6/13/2026. Rates offered subject to change at any time without notice. For Personal retirement accounts only. Substantial penalty for early withdrawal. An early withdrawal will reduce earnings. Fees may reduce earnings. Please ask for Fremont Bank's Deposit Account Agreement for balance requirements and early termination penalties. Deposit products offered by Fremont Bank, Member FDIC.

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