IRA Rates 5-Years

Compare IRA rates from financial institutions throughout the United States. When selecting an IRA CD it’s it is useful to know which banks and credit unions offer the highest rates. We have compiled a list of thousands of IRA CD rates to help you sort through the countless choices.

Bank IRA Months Rates Min $ Max $
Abound Credit Union
59 Month Rate Riser IRA (Traditional, Roth, CESA)
1.35%$500-
Lafayette FCU
5 Year Fixed IRA (Traditional, Roth, CESA)
1.26%$500-
Affinity Plus FCU
60 Month IRA (Traditional, Roth)
1.25%$500-
Teachers FCU
60 Month IRA (Traditional, Roth)
1.25%$1k-
Interior FCU
60 Month IRA Certificate (Traditional, Roth, CESA)
1.22%$500-
First National Bank of America
60 Month IRA (Traditional, Roth)
1.20%$1k-
PenFed Credit Union
5 Year IRA (Traditional, Roth, SEP)
1.20%$1k-
First Technology FCU
60 Month IRA (Traditional, Roth, CESA)
1.15%$500-
Wheelhouse Credit Union
60 Month IRA Certificate (Traditional, Roth)
1.10%*$500-
Evansville Teachers FCU
5 Year IRA (Traditional, Roth, CESA)
1.10%$1k-
Financial Partners Credit Union
60 Month IRA (Traditional, Roth)
1.10%$1k-
AgFed Credit Union
60 Month IRA Certificate (Traditional, Roth, CESA)
1.10%$250-
5Star Bank
60 Month Variable IRA (Traditional, Roth)
1.10%$250-
Connexus Credit Union
60 Month IRA Certificate (Traditional, Roth)
1.06%$5k-
Zeal Credit Union
60 Month IRA (Traditional, Roth, CESA, SEP)
1.05%*$500-
Susquehanna Community Bank
5 Year IRA (Traditional, Roth, CESA)
1.05%$500$100k
Financial Resources FCU
60 Month IRA (Traditional, Roth, CESA)
1.01%$500-
Kinecta FCU
5 Year IRA (Traditional, Roth)
1.00%*$1k-
UNIFY Financial Credit Union
60 Month Fixed IRA (Traditional, Roth, CESA)
1.00%*$1k-
Blue FCU
60 Month IRA (Traditional, Roth)
1.00%*$1k-
California Coast Credit Union
60 Month IRA (Traditional, Roth, CESA, SEP)
1.00%*$1k-
NASA FCU
60 Month IRA Certificate (Traditional, Roth)
1.00%$1k-
State Department FCU
60 Month IRA Certificate (Traditional, Roth)
1.00%$500-
Sun East FCU
65 Month IRA Special (Traditional, Roth)
1.00%$500-
Michigan State University FCU
5 Year IRA (Traditional, Roth, CESA, SEP)
1.00%$500-
U S Postal Service FCU
5 Year IRA (Traditional, Roth, CESA)
1.00%$250-
Genisys Credit Union
5 Year IRA Certificate (Traditional, Roth, CESA)
1.00%$500-
United Educators Credit Union
60 Month FlexRate IRA (Traditional, Roth, CESA, SEP)
1.00%$500-
Hanscom FCU
60 Month IRA (Traditional, Roth)
1.00%$500-
SRP FCU
60 Month IRA (Traditional, Roth, CESA)
1.00%$500-
Technology Credit Union
60 Month IRA (Traditional, Roth)
1.00%$1k-
Xceed Financial FCU
60 Month IRA (Traditional, Roth, CESA)
1.00%$500-
American Heritage FCU
60 Month IRA Certificate (Traditional, Roth, CESA)
1.00%$1k-
Wings Financial Credit Union
5 Year IRA (Traditional, Roth, CESA)
0.95%*$500-
Hiway Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.95%*$500-
Ideal Credit Union
60 Month IRA (Traditional, Roth)
0.95%*$500-
Communitywide FCU
60 Month IRA (Traditional, Roth)
0.95%$1k-
Velocity Credit Union
5 Year IRA Certificate (Traditional, Roth, SEP)
0.90%$1k-
Greenwood Credit Union
60 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.90%$1k-
Fort Bragg FCU
60 Month IRA Term Share Certificate (Traditional, Roth, CESA)
0.90%$500-
Northrop Grumman FCU
5 Year Term IRA (Traditional, Roth, CESA)
0.89%$2k-
SunWest
60 Month IRA Certificate
0.85%*$500-
Xcel FCU
60 Month IRA (Traditional, Roth)
0.85%$500-
Lake Michigan Credit Union
60 Month IRA CD (Traditional, Roth)
0.85%$500-
Synchrony Bank
60 Month IRA CD (Traditional, Roth)
0.85%$2k-
Service Credit Union
60 Month IRA Certificate (Traditional, Roth)
0.85%$500-
Chartway FCU
60-71 Month IRA (Traditional, Roth)
0.85%--
American 1 Credit Union
5 Year IRA (Traditional, Roth, CESA)
0.85%$50-
TIAA Bank
5 Year IRA (Traditional, Roth)
0.85%$1k-
NuVision FCU
5 Year IRA (Traditional, Roth, CESA)
0.80%*$1k-
Signature FCU
5 Year IRA Certificate (Traditional, Roth, CESA)
0.80%*$500-
Capital Educators FCU
60 Month IRA Certificate
0.80%*$500-
Ally Bank
5 Year IRA High Yield CD (Traditional, Roth, SEP)
0.80%--
Discover Bank
5 Year IRA (Traditional, Roth)
0.80%$2.5k-
Parda FCU
5 Year IRA (Traditional, Roth)
0.80%$500-
Hyperion Bank
60 Month IRA (Traditional, Roth)
0.80%$500-
Matadors Community Credit Union
60 Month IRA (Traditional, Roth)
0.80%$1k-
Pen Air FCU
60 Month IRA (Traditional, Roth, SEP, CESA)
0.80%$500-
Pennsylvania State Employees Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.80%$500-
Achieva Credit Union
60 Month IRA/457B (Traditional, Roth, CESA)
0.80%$500-
IncredibleBank
60 Month IRA (Traditional, Roth)
0.75%$1k-
RTN FCU
60 Month IRA (Traditional, Roth, SEP)
0.75%$1k-
Bellco Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.75%$500-
Prime Alliance Bank
60 Month IRA
0.75%$500-
TAB Bank
60 Month IRA CD (Traditional, Roth, CESA)
0.75%$1k-
Salem Five
60 Month IRA Special (Traditional, Roth, CESA, SEP)
0.75%$2k-
Garden Savings FCU
5 Year IRA Share Certificate (Traditional, Roth, CESA)
0.75%$500-
Home Savings Bank
60 Month Internet Only IRA (Traditional, Roth)
0.75%$5k$250k
People's Trust FCU
60 Month IRA (Traditional, Roth, CESA, SEP)
0.73%*$1k-
Spectrum Credit Union
60 Month IRA (Traditional, Roth)
0.70%*$500-
Workers Credit Union
60 Month IRA (Traditional, Roth)
0.70%*$1k-
Grow Financial FCU
60 Month IRA Certificate (Traditional, Roth)
0.70%*$500-
AFFCU
5 Year IRA Share Certificate (Traditional, Roth)
0.70%*$1k-
Chevron FCU
60 Month IRA (Traditional, Roth)
0.70%*$500-
Consumers Credit Union (IL)
5 Year IRA (Traditional, Roth, CESA, SEP)
0.70%$250$100k
Elements Financial
5 Year IRA (Traditional, Roth, CESA)
0.70%$1k-
Langley FCU
60 Month IRA (Traditional, Roth)
0.70%$500-
Mountain America Credit Union
60 Month IRA (Traditional, Roth)
0.70%$500-
MTC FCU
60 Month IRA (Traditional, Roth, CESA)
0.70%$250-
Patelco Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.70%$250-
Western Vista FCU
60 Month IRA CD (Traditional, Roth)
0.69%$500$10k
Orion FCU
60 Month IRA (Traditional, CESA, Roth)
0.67%$500-
Premier America Credit Union
60 Month IRA (Traditional, Roth)
0.65%*$1k-
Market USA FCU
60 Month IRA (Traditional, Roth, CESA)
0.65%$500-
Alliant Credit Union
60 Month IRA (Traditional, Roth, SEP)
0.65%$1k$25k
Bay State Savings Bank
60 Month IRA (Traditional, Roth, CESA, SEP)
0.65%$500-
One American Bank
60 Month IRA (Traditional, Roth)
0.65%$500-
People's Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.65%$500-
Premier Members Credit Union
60 Month IRA (Traditional, Roth)
0.65%$500$100k
Quorum FCU
60 Month IRA Term Savings (Traditional, Roth)
0.65%$1k-
Cadets FCU
5 Year IRA Certificate
0.63%*$1k$250k
Marine FCU
60 Month IRA (Traditional, Roth, CESA, SEP)
0.60%$500-
Pawtucket Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.60%$500-
Ponce Bank
60 Month IRA (Traditional, Roth, CESA)
0.60%$1k-
Self-Help Credit Union
60 Month IRA (Traditional, Roth)
0.60%$500-
Self-Help FCU
60 Month IRA (Traditional, Roth)
0.60%$500-
Northpointe Bank
60 Month IRA CD
0.60%$1k-
Ohio University Credit Union
60 Month IRA Certificate (Traditional, Roth, CESA)
0.60%$500-
Newtown Savings Bank
5 Year IRA (Traditional, Roth)
0.60%$500-
First Security Bank & Trust
60 Month IRA (Traditional, Roth, SEP)
0.55%*$2.5k-

IRA Rates

An IRA, or Individual Retirement Account, is an investment vehicle with tax rules and maximum contribution limits set by the Internal Revenue Service. The two main types of IRAs are a Roth IRA and a Traditional IRA, which have differing tax liabilities and benefits. Roth IRA rules essentially allow you to withdraw contributions and grow earnings tax-free, whereas Traditional IRA rules allow you to write contributions off to reduce your taxable income. IRA rates vary based on the underlying investments, which in the case of an IRA CD is a certificate of deposit.

SEP & Simple

Financial institutions usually offer a SEP IRA and a Simple IRA, as well, to provide retirement benefits geared towards small businesses. If you are switching employers or looking to accomplish a 401k rollover, both could be good options for you. All IRA CDs by law have early withdrawal penalties for removing funds before the date of maturity.

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