Let your money grow for you.

Tax advantages for long-term retirement savings through Individual Retirement Accounts (IRAs). The sooner you start contributing to an IRA and the longer you let your money grow, the more you benefit.

Contribute today to one of the safest ways to save for retirement. SpiritBank’s IRAs continue to be insured separately from other deposit accounts up to $250,000 per individual.

The insurance coverage for these types of accounts became permanent April 1, 2006.

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Interest Rates for Individual Retirement Accounts

Rates current as of July 5, 2017 and subject to change at any time.

Term Rate APY*
IRA Fixed 18 Month 0.65 % 0.65 %
IRA Fixed 18 Month Special
1.00% $100,000 Minimum
IRA Variable 18 Month** 1.06% 1.06%
IRA Fixed 30 Month 0.90 % 0.90 %
IRA Variable 30 Month** 1.14% 1.15%

Substantial penalty for early withdrawal of IRA. Fees may reduce earnings.
**Rate may change after account is opened

*APY means “Annual Percentage Yield”


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Questions About The FDIC?