IRA CDs
This unique option gives you the ability to add funds to your account over time—growing your initial balance—so that you can save even more for retirement.
Top Features
- A unique account with features of a CD and an IRA
- Add to your balance at any time1
Certificate of Deposit Rates
Effective as of 07/14/2026
| Term | Program | Annual Percentage Yield (APY)2 | Minimum Daily Balance to Earn APY2 |
|---|---|---|---|
| 5 Month | Fixed Rate CD Special | 3.70% | $2,000.00 |
| 6 Month | Fixed Rate CD | 0.10% | $2,000.00 |
| 9 Month | Fixed Rate CD Special | 3.65% | $2,000.00 |
| 12 Month | Fixed Rate CD | 0.15% | $2,000.00 |
| 18 Month | Fixed Rate CD | 3.00% | $2,000.00 |
| 24 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 36 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 48 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 60 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 18 Month | IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.) | 3.00% | $10.00 |
1Minimum additional deposit of $100.00.
2Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time.
Rest Assured,
Your Deposits are Safe!
When it comes to your hard-earned money, you deserve a bank that will guarantee its safety.
All deposits at Bluestone Bank are 100% insured. This is made possible through the Federal Deposit Insurance Corporation (FDIC), which insures up to $250,000.00 per depositor with the excess over $250,000.00 insured by the Depositors Insurance Fund (DIF). No depositor has ever lost money in a bank insured by both the FDIC and DIF.
Your Personal Bankers
Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances.
