Commerce Bank IRA Accounts
IRA, as in "It can Really Add up."

Our IRA accounts can be powerful tools for helping you reach significant goals: preparing for retirement, your employees' retirement, paying for a child’s education. A tax-advantaged IRA gives you the potential to earn a higher return on your investments over time (compared to a regular taxable investment). We can provide a variety of options—plus unlimited professional advice to help make the best choices. To discuss your specific eligibility, please call one of our IRA specialists at 1-800-698-2265, or email us.

Current IRA Interest Rates    Higher FDIC Coverage for Retirement Accounts    Answers to Common Traditional IRA Questions    Answers to Common ROTH IRA Questions    Retirement Savings Calculator
Product	Term	Minimum Opening Deposit	Conditions/Features
Traditional IRA or Roth IRA	6 months fixed	$500.00	Early withdrawal penalty: 90 days interest on the amount withdrawn.
Traditional IRA or Roth IRA	12, 18, 24, 30, 42, or 60 months fixed	$500.00	Early withdrawal penalty: 180 days interest on the amount withdrawn.
Traditional IRA or Roth IRA	18 month variable	$50.00	Early withdrawal penalty: 180 days interest on the amount withdrawn.
Choose Your Term IRA Accounts (Lion’s Share Checking account holders receive 0.25% higher interest rate for these products)	11 months	$500.00	Early withdrawal penalty: 90 days interest on the amount withdrawn.
	18 months	$500.00	Early withdrawal penalty: 180 days interest on the amount withdrawn.