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Fixed Rate IRA CD

It’s never too early to plan for your future. A WSFS IRA Certificate of Deposit (CD) is a simple way to enjoy guaranteed returns.

  • Earn 3.75% APY[1] with a 7-month CD
  • Earn 3.50% APY[1] with a 13-month CD
Schedule An Appointment
Smiling older man using a laptop to open an IRA CD.

Key Features of a Fixed Rate IRA CD

Fixed Rate of Return with Flexible Terms

Know exactly how much interest you’ll earn with terms from 3 to 84 months.

Potential Tax Benefits

Choose between a traditional, Roth or Coverdell IRA, each with its own possible tax advantages.[2]

FDIC Insured

Certificates of deposit are FDIC insured up to applicable limits, keeping your money safe.

Interest Tables

Tier

Minimum Deposit
Interest Rate
APY[1]

3 Month

$2,500

2.96%

3.00%

6 Month

$2,500

2.96%

3.00%

7 Month

$2,500

3.68%

3.75%

12 Month

$2,500

2.71%

2.75%

13 Month

$2,500

3.44%

3.50%

18 Month

$2,500

2.47%

2.50%

24 Month

$2,500

1.49%

1.50%

36 Month

$2,500

1.00%

1.00%

48 Month

$2,500

0.75%

0.75%

60 Month

$2,500

0.75%

0.75%

84 Month

$2,500

0.75%

0.75%

Interested in opening an IRA CD?

Schedule An Appointment Call 888.973.7226

What You Need to Know

  • Minimum opening deposit is $2,500

See Deposit Product Services Cost Summary

FAQs

No. An IRA is an individual retirement account and a CD is a bank account. The combination of these two is an IRA CD.

IRAs are a type of retirement savings solution. They are sometimes referred to as individual retirement accounts. There are several different versions of IRAs, each with its own possible tax advantages. We encourage you to consult with a tax advisor.

An IRA CD is an IRA where your money is put in a CD. This is generally considered to have low risk, because the rate is fixed for a specific term, so changes in the market have no impact. Unlike other investments, such as stocks or mutual funds, which can gain or lose money based on the market, you will know how much money you will earn.

View All FAQs

Questions?

Our friendly Associates are here to help 7am-7pm (M-F) and 9am-3pm (on weekends) at 888.973.7226, by scheduling an appointment or visiting the nearest WSFS Banking Office.

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Disclosures

See Deposit Product Services Cost Summary here.

1 Annual Percentage Yield (APY). The interest rate and APY are effective as of July 14, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days’ interest. For a 6-month term, the penalty is 3 months’ interest. For a term from 7-12 months, the penalty is 6 months’ interest. For a term of 13 or more months, the penalty is 12 months’ interest. Fees could reduce earnings on the account. Additional restrictions may apply. The minimum deposit to open and minimum balance required to earn the disclosed APY is $2,500.

2 Please consult your tax advisor.