woman hugging man, both smilingIndividual Retirement Account

The future will be here before you know it, and while it may not be full of flying cars and robot maids, you can make sure you've got everything you need by starting an IRA today.
Citizens Bank Minnesota offers many FDIC-insured IRA options to choose from, and knowledgeable client service representatives to help you decide which is the best choice for you.


  • Competitive rates
  • Flexible terms

Types of IRAs 

We offer a variety of IRA options to suit your unique needs:

  • Traditional IRA is a special tax-deferred* savings plan authorized by the federal government to encourage you to accumulate money for retirement. 
  • Roth IRA is an individual retirement account to which participants can make annual nondeductible contributions. Unlike a Traditional IRA in which your earnings are tax-deferred, Roth IRA earnings can be tax-free.* 
  • Simplified Employee Pension (SEP) IRA is a written plan that allows you to make contributions toward your own retirement account and those of your eligible employees.
*Please consult your tax advisor.

View Current Rates

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Special IRA Certificate of Deposit's

Invest in yourself this tax season!

60 month - 1.00% APY*

*Rates effective 3-18-20. $500.00 minimum deposit to open. Funds must be deposited into an Individual Retirement Account. May be penalties for early withdrawal. Fees may reduce earnings. Rates are subject to change. APY (Annual Percentage Yield).

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Investment & Insurance products: Are Not Insured by the FDIC or any other federal government agency • Are not deposits of or guaranteed by a Bank or any Bank Affiliate • May Lose Value