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      2. IRA Certificate of Deposit

        Be ready for what’s ahead.

        Open an Account
        It’s never too early to plan for your future. IRA CDs are a simple way to enjoy guaranteed returns—and the peace of mind that comes with them.
        X.XX%APY

        Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX. Interest rate and APY will be disclosed and will be fixed for entire IRA CD term once account is opened and correctly completed documentation and funding is received.?We will send you written confirmation of the interest rate, APY and maturity date of your IRA CD after it is opened or funded. This offer applies to personal accounts only. A penalty may be charged for early withdrawal. Consult a financial advisor or tax professional for guidance. Minimum opening balance is $2,500.

        12-month term
        X.XX%APY

        Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX. Interest rate and APY will be disclosed and will be fixed for entire IRA CD term once account is opened and correctly completed documentation and funding is received.?We will send you written confirmation of the interest rate, APY and maturity date of your IRA CD after it is opened or funded. This offer applies to personal accounts only. A penalty may be charged for early withdrawal. Consult a financial advisor or tax professional for guidance. Minimum opening balance is $2,500.

        24-month term
        X.XX%APY

        Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX. Interest rate and APY will be disclosed and will be fixed for entire IRA CD term once account is opened and correctly completed documentation and funding is received.?We will send you written confirmation of the interest rate, APY and maturity date of your IRA CD after it is opened or funded. This offer applies to personal accounts only. A penalty may be charged for early withdrawal. Consult a financial advisor or tax professional for guidance. Minimum opening balance is $2,500.?

        5-year term

        Deciding between Roth and Traditional IRA CDs.

        Compare the two types of IRA CDs to see which is right for you.

        Roth IRA CD

        Pay now, save later

        Funded with after-tax dollars.

        Earnings and qualified withdrawals are tax-free.

        Contributions are not tax deductible.

        Limitations apply

        Traditional IRA CD

        Earn now, pay later

        Funded with pre-tax dollars.

        Earnings are tax-deferred.

        Contributions are tax-deductible up to certain income limits

        Limitations apply

        Roth IRA CD

        Get taxes out of the way

        Think your tax rate will be higher when you withdraw? Go with a Roth IRA.

        Traditional IRA CD

        Pay taxes later

        Think your tax rate will be lower when you withdraw? Choose a Traditional IRA.

        Roth IRA CD

        Anyone with taxable earned income within IRS limits

        (limits based on income and tax filing status).

        Traditional IRA CD

        Anyone under 70? with taxable earned income

        (income limits apply for tax-deductible contributions)

        Roth IRA CD

        Withdraw anytime

        Withdraw earnings without IRS penalty at age 59? if your account is at least 5 years old.

        Withdraw contributions without IRS penalty at any time.

        Traditional IRA CD

        Withdraw when you’re 59?

        Withdraw contributions and earnings without IRS penalty at age 59?.

        Distributions are required to start by age 70?.

        Get a head start with investments from elsewhere.

        You can move retirement savings from other accounts into one of our IRA CDs in two ways.

        Rollovers

        When you rollover funds, you receive the funds through a distribution from your IRA. You then have 60 days from receipt of those funds to roll them into another IRA or qualified retirement plan to avoid tax consequences. IRA owners are limited to only one IRA-to-IRA rollover in any 12-month period. Rollovers are not counted toward your annual contribution limits. You may want to contact a financial advisor or tax professional for further information.

        • Easily move money from other retirement accounts into one of our IRA CDs.
        • Get tax benefits and earn guaranteed returns while avoiding fees.
        • Simplify your investment portfolio by consolidating into one IRA CD.
        Transfers

        When you transfer an IRA, the funds are moved directly from one financial institution to another. The transfer check is made payable to your financial institution for your benefit. Because you don’t handle the funds directly, the transaction is not considered a distribution. There is no limit to the number of transfers you can make.

        • Easily transfer an IRA from another financial institution to one of our IRA CDs.
        • Transfer money from another IRA plan to your IRA CD as many times as you want.
        • Combine smaller IRAs into one larger account that’s easy to keep track of.

        It all adds up to more freedom down the road.

        See how our IRA CD interest rates compound your money over time so your earnings are there when you’re ready to retire.

        Initial deposit

        $
        Please enter an amount between $2,500 and $5,000,000.
        Earned interest with Discover

        Assumes principal and interest remain on deposit and interest rate and APY do not change for one year. The values shown are for illustrative and informational purposes only and may not apply to your individual circumstances.

        % APY

        Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding. ?Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.? ??

        Get started with as little as $2,500.

        Yes, Please

        Watch your earnings grow, on the go.

        Check in on your IRA CD from anywhere.

        SIMPLE TO USE QUICK VIEW
        Check on your account easily. Anytime. You can even skip the passcode and log in with touch or face ID.

        Face ID is currently available to iOS users.

        Enable Quick View to check your account balance without logging in each time.
        We score out of 5 stars!

        Star rating is representative of the Apple? App Store rating for the Discover mobile app and is updated daily.

        Here’s to you, and your future.

        The sooner you lock in your IRA CD interest rate, the sooner your earnings add up.