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IRA CDs Rates and Terms

Traditional vs. Roth IRAs.


  • Contributions may be tax-deductible.
  • Earnings grow tax-deferred. You generally pay taxes when you make withdrawals.
  • You must be under 70 1/2 to contribute to a traditional IRA.
  • You must begin taking required minimum distributions (RMDs) at age 70 1/2.


  • Contributions may be withdrawn at any time without taxes or penalties.
  • Earnings may be withdrawn tax-free and penalty-free if your funds remain in the Roth IRA for five years and you have reached the age of 59 1/2.
  • You can contribute to a Roth IRA at any age.
  • Roth IRAs have no required minimum distribution (RMDs) during your lifetime.
Synchrony Bank does not provide tax advice. Please consult your tax advisor for actual advantages and any potential tax implications before establishing or making contributions to an IRA.

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