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IRA CD Account

Defer taxes and save for retirement with an Individual Retirement Account that offers a fixed rate for a specified term

Choose an IRA Certificate of Deposit with a choice of terms between three months and five years

There’s a great way to save for the future with the option to defer tax your liability. The IRA Certificate of Deposit from Amegy Bank earns a competitive guaranteed fixed rate for a specified time period. Open your IRA CD with an initial contribution of at least $1,000 and choose the term that is right for you. 


Account Details

Minimum Opening Deposit
$1,000
Term
Up to 5 years
Monthly Maintenance Fee
$0
Interest
Fixed rate based on the term of the certificate. For terms less than one year, interest is compounded and paid at maturity. For terms one year and over, interest is compounded and paid quarterly
Withdrawals and Transfers
Penalty for withdrawing funds before CD maturity date. IRS penalty for early distribution from an IRA (before age 59 1/2). Convenient distribution choices upon reaching age 59 1/2.

Look forward with more IRA Certificate of Deposit features

A More Secure Way to Save

Finance the dream — whether it’s a fund for college, saving for that perfect vacation, or providing a reliable cushion for the future. We’ll help you find the FDIC-insured savings account that’s right for you and your goals. 

Make the Most of Your Money

Whatever stage you find yourself in life, we have personal checking, savings, credit card, and loan options at competitive rates for a variety of needs. Each account features great benefits to help you today and tomorrow.

Digital Banking with Bill Pay

Make one-time and recurring payments with Online Bill Pay and spend less time paying bills. It’s included at no cost for our personal checking accounts and the features work from your phone, tablet, or desktop. 

Service and Convenience

Our bankers are focused on helping you reach your goals. Visit a local branch. Reach our Customer Contact Center or Online Banking representatives during business hours. Or call for 24/7 automated account information.  

Earn a fixed rate of interest for a specified term

Rates effective as of:

Term
Interest Rate
APY
Term
7 DAY
Interest Rate
0.01%
APY
0.01%
Term
1 MONTH
Interest Rate
0.05%
APY
0.05%
Term
3 MONTHS
Interest Rate
4.0%
APY
4.08%
Term
6 MONTHS
Interest Rate
3.7%
APY
3.77%
Term
9 MONTHS
Interest Rate
3.55%
APY
3.61%
Term
12 MONTHS
Interest Rate
3.44%
APY
3.5%
Term
18 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
24 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
36 MONTHS
Interest Rate
2.6%
APY
2.63%
Term
48 MONTHS
Interest Rate
2.45%
APY
2.48%
Term
60 MONTHS
Interest Rate
2.45%
APY
2.48%
Term
7 DAY
Interest Rate
0.01%
APY
0.01%
Term
1 MONTH
Interest Rate
0.05%
APY
0.05%
Term
3 MONTHS
Interest Rate
4.0%
APY
4.08%
Term
6 MONTHS
Interest Rate
3.7%
APY
3.77%
Term
9 MONTHS
Interest Rate
3.55%
APY
3.61%
Term
12 MONTHS
Interest Rate
3.44%
APY
3.5%
Term
18 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
24 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
36 MONTHS
Interest Rate
2.6%
APY
2.63%
Term
48 MONTHS
Interest Rate
2.45%
APY
2.48%
Term
60 MONTHS
Interest Rate
2.45%
APY
2.48%
Term
7 DAY
Interest Rate
0.01%
APY
0.01%
Term
1 MONTH
Interest Rate
0.05%
APY
0.05%
Term
3 MONTHS
Interest Rate
4.0%
APY
4.08%
Term
6 MONTHS
Interest Rate
3.7%
APY
3.77%
Term
9 MONTHS
Interest Rate
3.55%
APY
3.61%
Term
12 MONTHS
Interest Rate
3.44%
APY
3.5%
Term
18 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
24 MONTHS
Interest Rate
3.0%
APY
3.05%
Term
36 MONTHS
Interest Rate
2.6%
APY
2.63%
Term
48 MONTHS
Interest Rate
2.45%
APY
2.48%
Term
60 MONTHS
Interest Rate
2.45%
APY
2.48%

Have questions or need help deciding?

Our branch teams are here to help you in person, by phone or online. 

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