Enjoy excellent short-term and
long-term options

Open an IRA easily online and
start earning interest today

Open Account

Call 855.999.BANK for assistance
or to open an account

Is an Individual Retirement Account right for me?

An Individual Retirement Account through AAA allows you to save for retirement while deferring taxes on the interest you earn. Anyone can open an IRA, but the product is ideally suited for those who don’t have a retirement plan through their employer.

  • Earn income and defer taxes. An IRA is designed for long-term savers seeking tax-favored growth.* You owe nothing on the gains for as long as the money remains in the IRA.
  • Not just for retirement. Though IRA funds are typically saved for retirement, there are provisions for withdrawal prior to retirement.
  • Supplement your 401(k). Even if you contribute to an employer-sponsored 401(k), you can open and contribute to a traditional IRA as long as your income falls within limits set by the IRS. It’s a great way to boost your retirement savings — especially if you’ve already contributed the annual maximum to your 401(k).

Competitive Rates

  • Choose from IRA CDs with terms ranging from 1 to 10 years, or an IRA Savings Account.
  • Select Traditional or Roth IRA CDs.
  • Open your IRA CD* with a minimum of $1,500 or as little as $25 for an IRA Savings Accounts*.
  • Earn interest which accrues daily for maximum earnings.

Term Interest Rate APY*
6 MONTH 3.00% 3.05%
9 MONTH 4.10% 4.18%
12 MONTH 4.89% 5.00%
18 MONTH 4.30% 4.39%
24 MONTH 3.25% 3.30%
36 MONTH 3.10% 3.15%
48 MONTH 3.10% 3.15%
60 MONTH 3.35% 3.40%
IRA Savings+ 0.40% 0.40%

More rates available. Call for details.

Minimum Balance        APY*
$0 - $1,499.99 0.05%
$1,500 - $4,999.99 0.12%
$5,000 - $14,999.99 0.16%
$15,000 - $39,999.99 0.30%
$40,000 and above 0.40%

"Great rates,
zero hassle,
and I can bank
I love it."

Anne B. | Ames, IA


  • Rollover or transfer from your existing retirement account. It’s easy to switch via online convenience.
  • Use mobile banking to check your balance or make your annual contributions.


  • Funds are FDIC insured for your protection (up to applicable limits).
  • Monitor and protect your credit with ProtectMyID, available for purchase or included with your AAA Membership.

What is the difference between a rollover and a transfer?

They are both ways to move funds between retirement accounts. The difference is the way the funds are moved.

Your money is moved from a qualified retirement account (such as a 401(k)) or another IRA to a new IRA. The funds are disbursed directly to you and must be deposited to the new IRA within 60 days to avoid a tax penalty. Rollover funds do not count as your yearly contribution. You can rollover funds once per year.
Your money is moved directly from one IRA to another. Your existing IRA custodian or trustee sends the funds directly to your new IRA custodian or trustee. These funds do not count as your yearly contribution. You can transfer funds from IRA to IRA as often as you wish, as there is no limit on the number of transfers you can make.


How much do I need to open this account?
The minimum opening deposit for an IRA CD is $1,500.
The minimum opening deposit for an IRA Savings is $25.

How much interest is calculated on my IRA CD?
The interest for our IRA CDs is earned daily and credited to your account annually and at maturity.

How is interest calculated on my IRA Savings?
The interest for our Savings IRA is earned daily and posted to your IRA quarterly.

Not sure how to open an account online? We can walk you through it. Just give us a call (855.999.2265) or email one of our customer service representatives today at AAABanking@acg.aaa.com.

Retrieve A Saved Application

To complete your saved application, click here and click on “Retrieve A Saved Application”. Please have the following information ready:

  • Application Number
  • First and Last Name
  • Email Address
  • Date of Birth
  • Social Security Number
  • Primary Phone Number (International: Include + followed by country code)

*Annual Percentage Yield (APY) is accurate as of 9/06/2023. Advertised rates are subject to change without notice. IRA Savings Accounts: A $25 minimum opening deposit is required. IRA CD Accounts: Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

** See FDIC Website for National Average. If rate not listed national average is not available.