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Source: https://www.bankfivenine.com/personal/banking/cds-iras/
Read: 2026-10-22T16:20:55.000Z

CDs & IRAs | Long Term Savings Account | Bank Five Nine Skip to content
4.65% APY
Expand For Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine (“Bank”). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time.
4.45% APY
Expand For Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine (“Bank”). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time.
4.10% APY
Expand For Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine (“Bank”). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time.
3.90% APY
Expand For Details Certificate of Deposits and Individual Retirement Accounts must be opened with new money not currently on deposit at Bank Five Nine (“Bank”). An open and active Bank consumer checking account is required to maintain a CD/IRA account and receive stated Annual Percentage Yield (APY). An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. $2,500 minimum to open. Rate effective as of September 18, 2026. Business and Municipal money is not accepted. Interest rates are subject to change without notice. Early withdrawal from CD/IRA account may result in penalty. Fees may reduce earnings. Bank reserves the right to end the promotion at any time.
CD / IRA Term | Minimum Dollar Amount to Open CD and Obtain Annual Percentage Yield | Minimum Dollar Amount to Open IRA and Obtain Annual Percentage Yield | Interest Rate | Annual Percentage Yield
7 Month Special CD 1+ / IRA 1+* | $2,500.00 | $2,500.00 | 3.60% / 3.84%^ | 3.65% / 3.90%^
11 Month Special CD 2+ / IRA 2+* | $2,500.00 | $2,500.00 | 3.79% / 4.04%^ | 3.85% / 4.10%^
16 Month Special CD 3+ / IRA 3+* | $2,500.00 | $2,500.00 | 4.13% / 4.38%^ | 4.20% / 4.45%^
23 Month Special CD 4+ / IRA 4+* | $2,500.00 | $2,500.00 | 4.33% / 4.57%^ | 4.40% / 4.65%^
6 Month CD / IRA* | $1,000.00 | $100.00 | 2.97% | 3.00%
12 Month CD / IRA* | $1,000.00 | $100.00 | 3.46% | 3.50%
24 Month CD / IRA* | $1,000.00 | $100.00 | 3.70% | 3.75%
Young American CD 5 | $200.00 | N/A | 3.70% | 3.75%
36 Month CD / IRA* | $1,000.00 | $100.00 | 3.94% | 4.00%
48 Month CD / IRA* | $1,000.00 | $100.00 | 4.18% | 4.25%
60 Month CD / IRA* | $1,000.00 | $100.00 | 4.43% | 4.50%