individual retirement accounts
Don’t just retire. Live your best life.
Explore our IRA options with competitive interest rates to help you thrive.
Let us help you get the most from your IRA—and get competitive interest rates.
IRA savings account
we can help you secure your best savings for your retirement
Enjoy access to our customer service anytime. View your account history online or via mobile. Save smarter with a retirement account from Dundee Bank.
$0 minimum balance • rates up to 1.50% apy
Tier
Interest rate
APY1
$250,000 & up
1.49%
1.50%
$100,000 – $249,999.99
1.24%
1.25%
$50,000 – $99,999.99
0.75%
0.75%
$25,000 – $49,999.99
0.65%
0.65%
$0.01 – $24,999.99
0.50%
0.50%
IRA certificates of deposit
offering a full portfolio of IRA CDs that nicely mature
Dundee Bank IRA CDs accrue attractive interest with the option to consult our experts, anytime you need us. We love helping our customers reap life’s benefits.
• $500 minimum balance
• rates up to 4.10% APy
• 3 months to 5 years
IRA CD Special Rates
term
Interest rate
APY
7 month
3.99%
4.05%2
11 month
4.04%
4.10%3
IRA CD Rates
term
Interest rate
APY2
91 Day
2.82%
2.85%
182 Day
2.08%
2.10%
12 Month
2.82%
2.85%
18 Month
2.33%
2.35%
24 Month
2.33%
2.35%
36 Month
2.33%
2.35%
48 Month
2.08%
2.10%
60 Month
2.08%
2.10%
We’re here to answer any questions. As a small bank, we offer a healthy line of communication.
1Annual Percentage Yield. APY current as of 5/20/2026. Interest rate is variable and could change at any time. Fees could reduce earnings.
2Annual Percentage Yield. APY is current as of 5/20/2026 and subject to change without notice. $500 minimum deposit to open IRA CD and obtain APY. A penalty may be imposed for early withdrawal.
3Annual Percentage Yield. APY is current as of 5/20/2026 and subject to change without notice. $500 minimum deposit to open IRA CD and obtain APY. A penalty may be imposed for early withdrawal. Opening deposit must be made with new money. “New money” is defined as funds deposited into a Dundee Bank account from another financial institution. Money already held in a Dundee Bank account (personal/business checking, savings, or CD) are excluded. Funds must not have been on deposit with Dundee Bank in the last 30 days.
*24 Month Reach Up IRA CD Once during the term of the 24 Month Reach Up IRA CD you may request to change the interest rate and APY to a then-in-effect published interest rate.
**48 Month Reach Up IRA CD Twice during the term of the 48 Month Reach Up IRA CD you may request to change the interest rate and APY to a then-in-effect published interest rate.