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Personal retirement accounts

IRA Certificate of Deposit

Save securely for retirement with our Individual Retirement Account certificate of deposit.

Retirement savings made simple

Watch your balance grow

Know how much you're earning with our locked-in rates.

Enjoy potential tax advantages¹

Discuss possible benefits with your tax professional.

Save more with worry-free banking

Have peace of mind knowing you'll earn predictable returns for the length of your term.²

Our IRA CD at a glance

Enjoy the power of choice

Open your account with a minimum deposit of $1,000
Choose from a variety of term lengths
Choose a Traditional, Roth or Rollover account type

Keep more of your money³

Avoid annual fees
Avoid custodial fees
Incur a penalty only when withdrawing funds before the account reaches maturity

Apply at a CIBC US Banking Center

To get started, you'll need your identification, such as a driver's license, state ID, military ID or passport (US or other) and proof of address.

Ways to fund your account:

Deposit cash in a banking center
Transfer from an existing CIBC Bank USA account
Write a check from an external account

Find a location