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retirement accounts

IRAs that work as hard as you do.

Earn up to 3.15% APY with a tax-advantaged retirement account built to grow your savings with flexibility and long-term stability.1

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built for the future

The road to worry-free retirement

Whether you're just starting your journey or planning your next chapter, our IRA Savings Account offers guaranteed growth, zero market risk, and a clear path toward your retirement goals.

  • Easy Account Opening

    Get started quickly with expert guidance to help you choose the right account for your goals.

  • High-Yield Savings Account

    Grow your retirement savings faster with a high-yield savings account earning 3.15% APY — more than 7x the national average.1

  • FDIC Insurance

    Every dollar you deposit is protected with FDIC insurance up to $250,000 — no guesswork, just guaranteed protection.

  • 24/7 Online & Mobile Banking

    Wherever you are, your bank is right there with you — accessible around-the-clock online and on mobile.

  • No Hidden Fees

    We believe in keeping your money where it belongs — working for you. Enjoy transparent pricing and no surprise fees.

Earn more with an IRA CD

Build your retirement with confidence through fixed-rate IRA CDs that offer stable, above-average returns — starting with a minimum deposit of $1,500.

  • 6-Month CD

    Earn 4.25% APY — more than 2.5x the national average with a full return in just half a year.2

  • 9-Month CD

    Earn 4.20% APY — nearly 2.5x the national average with a full return in just 9 months.2

  • 12-Month CD

    Earn 4.10% APY — more than 2x the national average with a full return in just one year.2

  • 18-Month CD

    Earn 3.95% APY — more than 2x the national average with a full return in just a year and a half.2

  • 24-Month CD

    Earn 3.75% APY — more than 2.5x the national average for a 2-year term.2

  • 36-Month CD

    Earn 3.50% APY — more than 2.5x the national average for a 3-year term.2

  • 48-Month CD

    Earn 3.50% APY — nearly 3x the national average for a 4-year term.2

  • 60-Month CD

    Earn 3.50% APY — more than 2.5x the national average for a 5-year term.2

triple advantage

Why choose AAA Banking?

Banking should be more than just a place to store your money—it should help you make the most of it. From high-yield checking and savings accounts to auto loans, IRAs and CDs, every product is designed to help you grow your savings, reach your goals, and enjoy the moments that matter most.

  • Easier Banking. Fewer Hassles.

    Whether you're making everyday purchases, transferring funds, or saving for the future, our user-friendly digital banking platform puts you in control—no hassle, no surprises, just straightforward banking.

  • Your Security. Our Priority.

    Protection is part of who we are. That's why we use bank-level encryption and strict security protocols—so you can bank with confidence, knowing your information and finances are always safe and secure.

  • More Benefits. More Value.

    Experience a smarter, more rewarding way to spend, save and grow—while unlocking exclusive AAA membership perks that you can't get anywhere else.

Get more for your money.

Join AAA

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1. Individual Retirement Account (IRA) Savings Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $25.00. 3.15% APY applies to balances of $0.01 and above. Rates may change after the account is opened. Fees may reduce earnings. National average interest rate for a savings account is 0.41% APY – source: www.fdic.gov.

2. Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum deposit to open an account is $1,500. 4.25% APY applies to a 6-month CD with balances of $1,500.00 and up. 4.20% APY applies to a 9-month CD with balances of $1,500.00 and up. 4.10% APY applies to a 12-month CD with balances of $1,500.00 and up. 3.95% APY applies to an 18-month CD with balances of $1,500.00 and up. 3.75% APY applies to a 24-month CD with balances of $1,500.00 and up. 3.50% APY applies to a 36, 48, and 60-month CD with balances of $1,500.00 and up. CDs are opened and interest begins on the day the funding deposit is received. The interest rate and APY are fixed for the term of the CD. The APY assumes interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. National average interest rate for a 6-month CD is 1.61% APY. National average interest rate for a 9-month CD is 1.70% APY. National average interest rate for a 12-month CD is 1.78% APY. National average for a 18-month CD is 1.61%. National average for a 24-month CD is 1.49%. National average for a 36-month CD is 1.35%. National average for a 48-month CD is 1.27%. National average for a 60-month CD is 1.34% – source: www.fdic.gov.

Early Withdrawal Penalties

An early withdrawal penalty will apply if you withdraw funds before the maturity date. For terms less than or equal to 12 month, the penalty is 3 months of interest. For terms greater than a year, the penalty is 6 months of interest.

AAA Banking does not provide tax or legal advice. Individuals should consult with their personal tax or legal advisor before making any investment decisions that may have tax or legal implications.

AAA Banking services are provided by Grasshopper Bank, N.A. For full terms and conditions about our products and services, please refer to the Master Service Agreement.

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