IRA CDs

Similar to our Orange CD, your IRA CD includes a fixed interest rate for the term of the CD, also with the security of FDIC insurance.

Guarantee yourself a higher yield.

• Great rates—earn more on your money
• FDIC–insured—IRA accounts are FDIC-insured up to a combined $250,000 (in addition to the $250,000 non-IRA FDIC insurance).
• Guaranteed return—secure your principal while earning a great return with no market risk
• Variety of terms—available in terms ranging from 6 to 60 months

Make the most of your money.

IRA CDs can help you earn a great return without the risk—they remain one of the few ways to secure principal while earning a guaranteed return.

IRA CD terms

Available in a variety of terms from 6 to 60 months, that can help you best achieve your savings goals. You’ll lock in a great rate and earn a predictable return.

Interest disbursements

When opening a new IRA CD or renewing one that’s reached maturity, you can choose to have your interest disbursed monthly or annually to your IRA Savings account.

Set your maturity options online anytime.

Save time and make life easier by managing your CD at ingdirect.com. You can:

• Renew your IRA CD to the same or a different term
• Renew the original principal balance and disburse or distribute the earned interest.
• Close your IRA CD at maturity

Safe and secure—FDIC-insured.

Your deposit accounts at ING DIRECT are FDIC-insured up to a combined limit of $250,000, in addition to the $250,000 non-IRA FDIC insurance.

Traditional or Roth

You can choose between a Traditional or Roth IRA CD that best fits your needs. As always, consult your tax advisor for additional information.