One way to maximize retirement savings is bank IRA CDs.  Of course, it is essential to find to find the highest IRA CD rates.  With a Bank of America IRA CD, account holders obtain the advantage of a guaranteed rate of return found with bank CDs as well as the tax advantages of an IRA account.  The bank CD IRAs are available in Roth, Traditional and Rollover IRAs.

Individual Retirement Accounts, in general, give individual investors tax advantages for long-term retirement savings.  Bank offered CD IRAs are one of the safest ways to save and invest for retirement, since these accounts are FDIC insured and offer stable returns.  Bank of America IRA CDs are FDIC insured to the maximum allowed by law.

Bank of America offers several different IRA CD products.  All of the Bank of America individual retirement accounts are marketed as no fee accounts.  Both fixed rate IRA’s and variable rate IRA’s are available with the bank. 

Bank IRA CDs offered by Bank of America include:

A one year term fixed rate bank IRA CD that has an interest rate of 1.06%.

The bank offers a 9 month bank IRA CD that allows for penalty free withdrawals that has an interest rate of 0.40%.

The bank also offers other fixed rate and fixed term bank IRA CDs with varying interest rates that have a tiered rate structure.  With the tiered IRA CD rate structure, the higher the balance held within the account, the greater the rate of return.  These accounts currently offer a range of bank IRA CD rates from 0.35% to 3.76%.

Bank of America also has a variable rate IRA CD account.  The term on the account runs from 18 to 23 months.  The interest rate is a variable rate and can change at anytime.  The account has a low $100.00 minimum to open.  This bank IRA CD also allows the account holder to make additional deposits at any time without extending the term of the certificate.  Withdrawals from the variable rate IRAs before the maturity date may be subject to an early withdrawal penalty.

These IRA CD rates may change at any time without prior notice.  The Annual Percentage Yields (APY) are accurate as of 02/27/10 and are subject to bank change and approval.

Withdrawals from IRAs before age 59½ may be subject to a 10% federal additional tax and possible state tax. 

For current bank rates and IRA CD rates, a Bank of America representative can be reached at 1-888-827-1812.

Tags: , , , , , , , ,

No user commented in " Bank of America IRA CD Rates "

Follow-up comment rss or Leave a Trackback

Leave A Reply

 Username (*required)

 Email Address (*private)

 Website (*optional)