Certificates & IRAs

Certificates & IRAs

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Certificates of Deposit (CD)1

Lock in a better savings rate when you open a certificate of deposit. Hello offers certificate terms ranging from 90 days up to 60 months.

Contact us to open a CD

Individual Retirement Account (IRA)

Hello offers both traditional and Roth IRAs to help you build a path toward a relaxing retirement. These two types of IRAs are similar, with the biggest distinction being how they’re taxed.


Roth IRAs‍

Roth IRAs are funded with income that has already been taxed. A Roth IRA allows tax-free withdrawals provided certain conditions are met.

  • Roth IRAs are best when you think your taxes will be higher in retirement than they are right now.
  • The annual amount you can contribute changes periodically. Check with your tax advisor for current contribution limits. 
  • A Roth IRA is not available to people earning more than a specified annual income. Check with your tax advisor for current income limits.
  • Contributions are not tax-deductible.

Contact us to open an IRA


Traditional IRAs‍

Traditional IRAs are funded with income that has not been taxed yet. The IRS assesses income taxes on the money when it is withdrawn. 

  • Traditional IRAs are best when you think the taxes you are paying right now are higher than the taxes you will pay during retirement.
  • The annual amount you can contribute changes periodically. Check with your tax advisor for current contribution limits. 
  • Required minimum distributions (RMDs) must begin at age 72.
  • Anyone with earned income is eligible to open a traditional IRA.
  • Contributions are tax-deductible.

Contact us to open an IRA

Rates

Type
dividend Rate
Term
APY*
APR*
Min / Max balance
Notes
90-Day CD
Term (Months)
Dividend Rate
0.50%
APY*
APR*
Prime + a Margin of
-
0.50%
Min/Max Balance
Notes
$500.00
6-Month CD
Term (Months)
Dividend Rate
1.98%
APY*
APR*
Prime + a Margin of
-
2.00%
Min/Max Balance
Notes
$500.00
12-Month CD
Term (Months)
Dividend Rate
2.96%
APY*
APR*
Prime + a Margin of
-
3.00%
Min/Max Balance
Notes
$500.00
18-Month CD
Term (Months)
Dividend Rate
2.47%
APY*
APR*
Prime + a Margin of
-
2.50%
Min/Max Balance
Notes
$500.00
24-Month CD
Term (Months)
Dividend Rate
2.25%
APY*
APR*
Prime + a Margin of
-
2.27%
Min/Max Balance
Notes
$500.00
36-Month CD
Term (Months)
Dividend Rate
1.50%
APY*
APR*
Prime + a Margin of
-
1.51%
Min/Max Balance
Notes
$500.00
48-Month CD
Term (Months)
Dividend Rate
1.75%
APY*
APR*
Prime + a Margin of
-
1.76%
Min/Max Balance
Notes
$500.00
60-Month CD
Term (Months)
Dividend Rate
2.00%
APY*
APR*
Prime + a Margin of
-
2.02%
Min/Max Balance
Notes
$500.00

IRA Certificate Rates

Account Type
Rate
APY*
Minimum balance
12-Month IRA Certificate
Dividend Rate
2.96%
APY*
-
3.00%
Min/Max Balance
$500.00
18-Month IRA Certificate
Dividend Rate
2.47%
APY*
-
2.50%
Min/Max Balance
$500.00
24-Month IRA Certificate
Dividend Rate
2.25%
APY*
-
2.27%
Min/Max Balance
$500.00
36-Month IRA Certificate
Dividend Rate
1.50%
APY*
-
1.51%
Min/Max Balance
$500.00
48-Month IRA Certificate
Dividend Rate
1.75%
APY*
-
1.76%
Min/Max Balance
$500.00
60-Month IRA Certificate
Dividend Rate
2.00%
APY*
-
2.02%
Min/Max Balance
$500.00

‍1An early withdrawal penalty may be assessed for early maturity. Early withdrawal penalty varies based on term. See Certificate and Disclosure Statement provided at account opening for more information.

*APY = Annual Percentage Yield

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