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• BankWest 30 month IRA at 2.78%APY

  BankWest is offering two term IRA certificates. The minimum deposit to open the IRA certificate is $2,000. The bank IRA rates offered effective October 1, 2009 are:

  1. 18 month IRA Certificate – 2.42%APY and
  2. 30 month IRA Certificate – 2.78%APY.

  The bank also offers certificate of deposit specials. The rates are effective September 1, 2009:

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• Pacific Mercantile Bank IRA Rates

  Pacific Mercantile Bank offers Personal IRA products that require a minimum deposit of $7,500. The IRA rates are accurate as of July 14, 2009 but may change after account opening. There may also be fees and withdrawal penalties which could lower your earnings.

  • 18 month CD – 2.53%APY
  • 2 year CD – 2.53%
  • 5 year CD – 2.53%

  There is a maintenance fee of $15 for accounts opened prior to January 1, 2006 with account balances below $10,000.

  Pacific Mercantile bank with locations in California is insured with FDIC, however, it only has one star rating from bankrate.com.

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• Bank of Commerce IRA Rates

  One of the products offered by Bank of Commerce online banking center is an IRA account. It offers up to 6 terms IRA from 12 months to 48 months.  Bank of Commerce IRA rates below are current as of April 1, 2009.

  • 12 month IRA – 1.85%APY
  • 18 month IRA – 2.00%APY
  • 24 month IRA – 2.25%APY
  • 36 month IRA – 2.50%APY
  • 48 month IRA – 2.50%APY
  • 60 month IRA – 2.50%APY

  Payment of IRA earnings are made quarterly. Bank of Commerce, based in Duncan, Oklahoma is insured with FDIC.

  Update 1: Bank of Commerce IRA Rates effective June 16, 2009

  • 12 month IRA – 1.60%APY. Rate is down by 0.25%APY.
  • 18 month IRA – 2.00%APY
  • 24 month IRA – 2.25%APY
  • 36 month IRA – 2.50%APY
  • 48 month IRA – 2.50%APY
  • 60 month IRA – 2.50%APY
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