Rates and Values

Effective as of:  9/4/2015

APY = Annual Percentage Yield. Fees may reduce APY.

Individual Retirement Accounts (IRA) [1]

Balance Interest Rate APY
Safe Harbor IRA
  All Balances 0.10% 0.10%
Plan Term IRA
  All Balances 0.10% 0.10%
Assured Savings
  All Balances 0.10% 0.10%
High Yield IRA
  All Balances 0.10% 0.10%
Money Market IRA
$.00 through $249.99 0.05% 0.05%
$250.00 through $9,999.99 0.10% 0.10%
$10,000 through $24,999.99 0.15% 0.15%
$25,000.00 through $49,999.99 0.20% 0.20%
$50,000.00 through $99,999.99 0.30% 0.30%
$100,000.00 through $249,999.99 0.40% 0.40%
$250,000.00 and over 0.50% 0.50%

IRA Certificates of Deposit [2]

Balance Interest Rate APY
Change A Rate CDs
26 months $2,500.00 through $249,999.99 0.45% 0.45%
26 months $250,000.00 and over 0.45% 0.45%
Standard CDs
3 months $2,500.00 through $249,999.99 0.10% 0.10%
3 months $250,000.00 and over 0.10% 0.10%
6 months $2,500.00 through $249,999.99 0.15% 0.15%
6 months $250,000.00 and over 0.15% 0.15%
12 months $2,500.00 through $249,999.99 0.20% 0.20%
12 months $250,000.00 and over 0.20% 0.20%
18 months $2,500.00 through $249,999.99 0.40% 0.40%
18 months $250,000.00 and over 0.40% 0.40%
24 months $2,500.00 through $249,999.99 0.40% 0.40%
24 months $250,000.00 and over 0.40% 0.40%
30 months $2,500.00 through $249,999.99 0.40% 0.40%
30 months $250,000.00 and over 0.40% 0.40%
36 months $2,500.00 through $249,999.99 0.70% 0.70%
36 months $250,000.00 and over 0.70% 0.70%
48 months $2,500.00 through $249,999.99 0.75% 0.75%
48 months $250,000.00 and over 0.75% 0.75%
60 months $2,500.00 through $249,999.99 1.25% 1.26%
60 months $250,000.00 and over 1.25% 1.26%
72 months $2,500.00 through $249,999.99 1.35% 1.36%
72 months $250,000.00 and over 1.35% 1.36%

* For rates on CD deposits $5,000,000 and over, please call 1-800-672-3343.

Return to top

Note: Principal Bank does not accept institutional deposits at this time.

[1]
Rates are variable and subject to change at any time.
[2]
The Annual Percentage Yield on a Certificate of Deposit is based on monthly compounding of interest. A penalty may be imposed for withdrawals before maturity. The rates we offer may vary based on the amount of the initial deposit. You will be paid the disclosed rate until the first maturity or renewal date.