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• Monona State Bank IRA Certificates Rates

  Monona State Bank offers IRA certificates with rates that are very competitive. Take a look at how the bank fares with what other bank are offering:

  With $1,000 minimum to open, IRA certificates with the following terms will earn you as much as:

  • 1.30%APY for a 1 year IRA certificate;
  • 1.60%APY for a 2 year IRA certificate;
  • 2.25%APY for a 3 year IRA certificate;
  • 2.60%APY for a 4 year IRA certificate; and
  • 3.10%APY for a 5 year IRA certificate.

  Monona State Bank also offers an 11 month CD special at 1.55%APY that requires $2,500 minimum to open. The bank has 3 locations in Madison, Wisconsin.

  You can compare what Monona State Bank offers with that of Hancock Bank and Golf Savings Bank. Or if you are from Indiana you may be interested in checking out the IRA CD rates in Indiana for February 2010.

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• Credit Union IRA Specials February 2010

  The following credit unions are offering special rates on Individual Retirement Accounts. You can make an individual comparison from the list below if you are serious about saving for retirement.

  1. IC Federal Credit Union offers the following IRA Specials:

  • 1 year IRA – 2.03% or 2.05%APY
  • 18 month IRA – 2.27% or 2.30%APY

  2.  Navy Federal offers the following IRA special rates:

  • 1 year IRA – 3.25%APY ($50 minimum deposit)
  • 7 year IRA – 4.10%APY ($1,000 minimum deposit)
  • 30 months IRA – 2.75%APY ($18,000 minimum deposit)

  3. Ohio University Credit Union offers an IRA Certificate Special at 3.50%APY. You pick your term of 50 to 60 months.

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• Hancock Bank IRA Rates

  Hancock Bank, a Florida based bank, is offering Certificate of Deposit IRA with very competitive rates. The rates below applies to IRAs opened through CDs. Minimum balance required to open is $1,000.

  • 6 months – 1.60%APY
  • 1 year  – 2.00%APY
  • 18 months  – 2.25%APY
  • 2 years – 2.40%APY
  • 3 years – 2.50%APY
  • 4 years – 2.75%APY
  • 5 years – 3.00%APY

  The 5 year term IRA rate is quite tempting. However, your money will be tied up in the bank for 3 long years. No one knows when the IRA rate increases so perhaps the best strategy, for the meantime, is to go for a short term. Ideally, most people would go for a 1 year term, which is not bad. Hancock Bank’s 1 year IRA rate is currently at 2.00%APY which is way above the 12 month bank IRA rates offered in California for January 2010.

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