Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may earn commission. Please read our Advertising Disclosure.
Edward Jones charges a $75 annual fee for a brokerage IRA, reduced to $40 for business IRAs like SEP or SIMPLE plans, with the fee waived for households with over $250,000 in assets. There's also a minimum $50 per calendar year per position held in the account, plus other possible fees.
For advisory (Guided Solutions or similar) accounts, IRAs instead carry an asset based advisory fee, often around 1% to 1.35%, that scales down as balances grow, and these accounts aren't subject to the flat annual IRA fee.
Actual costs vary by account type and fund choices, so it's worth requesting Edward Jones' current fee schedule directly.
Related: Edward Jones Gold IRA Review
Edward Jones CD Rates, Retirement Account Fees, and Costs
Edward Jones CD Rates
(as of July 2026, brokered CDs, FDIC-insured up to $250K): 3-month 3.85%, 6-month 4.00%, 9-month/1-year 4.10%, 18-month 4.20%, 2-year 4.25%, 3-5 year 4.35%.
Note: interest doesn't compound, it's paid out periodically, not reinvested.
Retirement Account (IRA) Fees:
- Annual fee: $40 for your first retirement account, $20 for additional IRAs (waived above $250,000 in assets)
- Additional Traditional/Roth IRAs: $75 annual fee for extra accounts; SEP/SIMPLE additions run $40
- Money market funds: $3/month fee if balance falls below $1,500–$2,500 threshold; 2% fee on DRIP transactions into stock
- Account transfer-out fee: $95 "total transfer of an account" fee if you close/leave
Other Costs:
Trust/managed accounts carry a $2,000 base charge plus tiered percentage fees (min. $6,000/year). Edward Jones is generally considered pricier than discount brokers/robo-advisors due to its full-service, in-person advisor model, you're paying for personalized guidance, not just execution.