IRA Certificate of Deposit at Brokerage Banks
How brokerage banks handle IRA CD accounts — rates, fees, and what to watch.
What to Expect from Brokerage Banks IRA CD Accounts
Fidelity, Charles Schwab, Vanguard banking arms. Sweep rates are often low on default; money market alternatives within the same account may earn 4–5%.
For IRA CD specifically: A CD held within a traditional or Roth IRA wrapper. Combines the federal insurance of a bank deposit with the tax-advantaged shell of a retirement account.. At brokerage banks, the rate pattern reflects their cost structure and competitive positioning in the deposit market.
Rate Summary — IRA CD at Brokerage Banks
Typical APY range
4.50–5.20%
Minimum balance
$500+
Rate range as of 15 May 2026. Rates change daily — verify before depositing.
Key Characteristics at Brokerage Banks
- Tax-deferred or tax-free growth (traditional vs Roth)
- FDIC/NCUA insured up to $250,000 per IRA ownership category
- Fixed rate
- Required minimum distributions apply to traditional IRA CDs
Which Depositor Profiles Fit This Combination
Retiree on Fixed Income
Drawing income from deposits. Prioritises rate predictability, CD ladders, and FDIC/NCUA c…
View suitability analysis →
High-Net-Worth Depositor
Managing cash positions exceeding $250,000. Requires strategies for FDIC coverage beyond t…
View suitability analysis →
We match you to the specific institution that fits your balance, time horizon, and profile.
Affiliate link — we may earn a commission. See disclosure.
Compare Other Bank Types
IRA CD at Big-Four Banks
Chase, Bank of America, Wells Fargo, and Citibank. Unmatched branch ne…
IRA CD at Regional Banks
Mid-size institutions (Regions, Huntington, Fifth Third, KeyBank). Oft…
IRA CD at Online-Only Banks
Ally, Marcus, Discover Bank, American Express Bank. Consistently lead …
IRA CD at Credit Unions
Member-owned cooperatives insured by NCUA. Share rates often match or …
IRA CD at Fintech Neobanks
SoFi, Wealthfront Cash, Betterment Cash Reserve. Pass-through deposit …