Earn for retirement securely

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.

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Key Features of a Fixed Rate IRA CD

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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.[1]

FDIC Insured

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

Interest Rates

3 Month $2,500 0.50% 0.50%
6 Month $2,500 1.49% 1.50%
11 Month Special $2,500 4.88% 5.00%
12 Month $2,500 2.23% 2.25%
18 Month Special $2,500 4.64% 4.75%
24 Month $2,500 1.74% 1.75%
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?

What You Need to Know

  • Minimum opening deposit is $2,500

See Deposit Product Services Cost Summary


Is an IRA the same as a CD?

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

What is an IRA?

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.

What is an IRA CD?

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.
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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.