IRA CD Accounts

Save for retirement the safe, steady way with FDIC-insured Discover bank IRA CDs.

As of: August 31, 2010

Term	Interest Rate	APY⁶
3 Months	0.70%	0.70%
6 Months	1.00%	1.00%
9 Months	1.09%	1.10%
12 Months	1.44%	1.45%
18 Months	1.59%	1.60%
24 Months	1.78%	1.80%
30 Months	1.88%	1.90%
3 Years	2.08%	2.10%
4 Years	2.27%	2.30%
5 Years	2.86%	2.90%
7 Years	2.96%	3.00%
10 Years	3.20%	3.25%

Rates are applied based on the date the account is funded.

Bankrate.com Top Tier Winner for consistently high yields⁷
Avoid market uncertainty—fixed rates mean predictable growth
Choose Traditional or Roth IRAs—both offer tax advantages
Terms ranging from 3 months to 10 years
Interest compounded daily

Open an Account

For questions call, 1.888.201.8544

24/7 Customer Service

Maximize your FDIC coverage

2 National average based on the top 50 U.S. banks by deposit provided by Informa Research Services, Inc.

3 Annual Percentage Yield (APY). APY applies to personal accounts only. Online Savings Account rate based on a $500 minimum balance. Rate may change after account is opened. Fees could reduce earnings on the account. Advertised rate is valid as of 08/31/2010 and subject to change daily without notice.

4 Annual Percentage Yield (APY). This offer applies to personal accounts only. Money Market Account rate based on a $10,000 minimum balance. Rate may change after account is opened. Fees could reduce earnings on the account. Advertised rate is valid as of 08/31/2010 and subject to change daily without notice.

5 Annual Percentage Yield (APY). This offer applies to personal accounts only. CD rates based on a $2,500 minimum balance and apply to terms of 3 months to 10 years. A penalty may be charged for early CD withdrawal. Fees could reduce earnings on the account. Advertised rates are valid as of 08/31/2010 and subject to change daily without notice.

6 Annual Percentage Yield (APY). This offer applies to personal accounts only. IRA CD rate based on a $2,500 minimum balance and applies to a 10-year term. A penalty may be charged for early IRA CD withdrawal. Fees could reduce earnings on the account. Advertised rate is valid as of 08/31/2010 and subject to change daily without notice.

7 Bankrate.com (2Q-2010) Top Tier Quarterly Winner for consistently high yields.

8 The APY for the Online Savings Account as of August 31, 2010 is more than 5 times the national average APY for interest-bearing savings accounts with balances of $500 as reported by Informa Research Services, Inc as of August 31, 2010. Although the information provided by Informa Research Services has been obtained from the various institutions, the accuracy cannot be guaranteed. Rates are subject to change at any time.

Accountholders within a Household	Deposit Type*	Account Balance
Accountholder 1	Discover Bank Money Market Account	$250,000
Accountholder 1	Discover Bank IRA Account	$250,000
Accountholder 1 & 2 (50/50 ownership)	Discover Bank CD Account	$500,000 ($250,000 per co-owner)
Total Deposits per Household		$1,000,000
Amount Insured		$1,000,000