IRA Rate

Why are IRA specials a lower rate compared to regular Certificates?

  • IRAs are a much more labor intensive account for GreenState to process. 
  • IRAs require more paperwork including for:
    • opening new accounts
    • withdrawing from accounts
    • deposits
    • Transfers to and from other FI
  • IRAs have increased tax reporting requirements including:
    • 5498
    • 1099R
  • IRAs have mandatory annual reporting:
    • RMD notices
    • 5498 mailings