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  4. Rates and Values

Principal Bank® Rates and Values

Effective as of:  10/8/2025

APY = Annual Percentage Yield. Fees may reduce APY.

Individual Retirement Accounts (IRA) [1]

Balance Interest Rate APY
Assured Savings
  All Balances 1.10% 1.11%
Money Market IRA
$0.00 through $249.99 1.10% 1.11%
$250.00 through $9,999.99 1.15% 1.16%
$10,000 through $24,999.99 1.20% 1.21%
$25,000.00 through $49,999.99 1.30% 1.31%
$50,000.00 through $99,999.99 1.50% 1.51%
$100,000.00 through $249,999.99 1.80% 1.81%
$250,000.00 and over 2.10% 2.12%

IRA Certificates of Deposit [2]

Balance Interest Rate APY
Standard IRA CDs
12 months $0.00 through $249,999.99 1.00% 1.00%
12 months $250,000.00 and over 1.00% 1.00%
24 months $0.00 through $249,999.99 1.20% 1.21%
24 months $250,000.00 and over 1.20% 1.21%
36 months $0.00 through $249,999.99 2.40% 2.43%
36 months $250,000.00 and over 2.40% 2.43%
48 months $0.00 through $249,999.99 1.40% 1.41%
48 months $250,000.00 and over 1.40% 1.41%
60 months $0.00 through $249,999.99 2.50% 2.53%
60 months $250,000.00 and over 2.50% 2.53%
Liquid IRA CDs
33 months $0.00 through $249,999.99 1.00% 1.00%
33 months $250,000.00 and over 1.00% 1.00%
52 months $0.00 through $249,999.99 1.10% 1.11%
52 months $250,000.00 and over 1.10% 1.11%
Legacy IRA CDs
3 months $1,000.00 through $249,999.99 0.85% 0.85%
3 months $250,000.00 and over 0.85% 0.85%
6 months $1,000.00 through $249,999.99 0.90% 0.90%
6 months $250,000.00 and over 0.90% 0.90%
12 months $1,000.00 through $249,999.99 1.00% 1.00%
12 months $250,000.00 and over 1.00% 1.00%
18 months $1,000.00 through $249,999.99 1.20% 1.21%
18 months $250,000.00 and over 1.20% 1.21%
24 months $1,000.00 through $249,999.99 1.30% 1.31%
24 months $250,000.00 and over 1.30% 1.31%
30 months $1,000.00 through $249,999.99 1.30% 1.31%
30 months $250,000.00 and over 1.30% 1.31%
36 months $1,000.00 through $249,999.99 1.35% 1.36%
36 months $250,000.00 and over 1.35% 1.36%
48 months $1,000.00 through $249,999.99 1.40% 1.41%
48 months $250,000.00 and over 1.40% 1.41%
60 months $1,000.00 through $249,999.99 1.40% 1.41%
60 months $250,000.00 and over 1.40% 1.41%
72 months $1,000.00 through $249,999.99 1.40% 1.41%
72 months $250,000.00 and over 1.40% 1.41%

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Member FDIC.

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.