Personal Banking

IRAs




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.

Interest Rates for Individual Retirement Accounts

TermRateAPY*
IRA fixed 18-month0.65%0.65%
IRA fixed 18-month special ($100,000 minimum)1.00%1.00%
IRA variable 18-month**1.44%1.45%
IRA fixed 30-month0.90%0.90%
IRA variable 30-month**1.65%1.66%
Interest rates current as of February 2, 2018 and subject to change at any time.

Substantial penalty for early withdrawal of IRA.
Rate may change after account is opened.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”