IRA Rates 1-Year

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.

If you want to see the highest APY for other account types, see our other comparison charts here.

Bank IRA Months Rates Min $ Max $
Ohio University Credit Union
12 Month Easy Save IRA Certificate (Traditional, Roth, CESA)
2.00%-$6k
Lafayette FCU
1 Year Fixed IRA (Traditional, Roth, CESA)
0.80%$500-
Communitywide FCU
12 Month IRA (Traditional, Roth)
0.75%$1k-
Hughes FCU
12 Month IRA (Traditional, Roth, SEP)
0.75%$1k-
Interior FCU
12 Month IRA Certificate (Traditional, Roth, CESA)
0.71%$500-
Evansville Teachers FCU
14 Month IRA (Traditional, Roth, CESA)
0.70%$1k-
Genisys Credit Union
13 Month IRA Certificate Special (Traditional, Roth, CESA)
0.65%$500$100k
First National Bank of America
12-23 Month IRA CD (Traditional, Roth)
0.65%$1k-
Connexus Credit Union
12 Month IRA Certificate (Traditional, Roth)
0.61%$5k-
Synchrony Bank
14 Month IRA CD (Traditional, Roth)
0.60%$2k-
Financial Resources FCU
14 Month IRA Special (Traditional, Roth, CESA)
0.60%$500-
American Heritage FCU
13 Month IRA Certificate (Traditional, Roth, CESA)
0.60%$1k-
Quorum FCU
13 Month IRA Term Savings - New Money (Traditional, Roth)
0.60%$1k-
U S Postal Service FCU
1 Year IRA (Traditional, Roth, CESA)
0.60%$250-
United Texas Bank
1 Year IRA (Traditional, Roth)
0.60%$500-
Langley FCU
12 Month IRA (Traditional, Roth)
0.60%$500-
State Department FCU
12 Month IRA Certificate (Traditional, Roth)
0.60%$500-
Technology Credit Union
12 - 17 Month IRA (Traditional, Roth)
0.60%$1k-
Chevron FCU
12 Month IRA (Traditional, Roth)
0.55%*$500-
Spectrum Credit Union
12 Month IRA (Traditional, Roth)
0.55%*$500-
PenFed Credit Union
1 Year IRA (Traditional, Roth, SEP)
0.55%$1k-
TIAA Bank
1 Year IRA (Traditional, Roth)
0.55%$1k-
Affinity Plus FCU
12 Month IRA (Traditional, Roth)
0.55%$500-
Discover Bank
12 Month IRA (Traditional, Roth)
0.55%$2.5k-
Ally Bank
12 Month IRA High Yield CD (Traditional, Roth, SEP)
0.55%--
Pen Air FCU
12 Month IRA (Traditional, Roth, SEP, CESA)
0.55%$500-
Alliant Credit Union
12-17 Month IRA (Traditional, Roth, SEP)
0.55%$1k$25k
Signature FCU
12 Month IRA Certificate (Traditional, Roth, CESA)
0.50%*$500-
AFFCU
1 Year IRA Share Certificate (Traditional, Roth)
0.50%*$1k-
UNIFY Financial Credit Union
12 Month Fixed IRA (Traditional, Roth, CESA)
0.50%*$1k-
Kinecta FCU
12 Month IRA (Traditional, Roth)
0.50%*$1k-
Greenwood Credit Union
12 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.50%$1k-
Service Credit Union
12 Month IRA Certificate (Traditional, Roth)
0.50%$500-
Fort Bragg FCU
12 Month IRA Term Share Certificate (Traditional, Roth, CESA)
0.50%$500-
Hanscom FCU
12 Month IRA (Traditional, Roth)
0.50%$500-
Sun East FCU
12 Month IRA (Traditional, Roth)
0.50%$500-
TAB Bank
12 Month IRA CD (Traditional, Roth, CESA)
0.50%$1k-
Affinity FCU
14 Month IRA Special (Traditional, Roth, CESA)
0.45%*$2.5k-
Wings Financial Credit Union
1 Year IRA (Traditional, Roth, CESA)
0.45%*$500-
Zeal Credit Union
12 Month IRA (Traditional, Roth, CESA, SEP)
0.45%*$500-
Hiway Credit Union
12 ? 23 Month IRA (Traditional, Roth, CESA)
0.45%*$500-
Consumers Credit Union (IL)
1 Year IRA (Traditional, Roth, CESA, SEP)
0.45%$250$100k
Velocity Credit Union
1 Year IRA Certificate (Traditional, Roth, SEP)
0.45%$1k-
Northrop Grumman FCU
1 Year Term IRA (Traditional, Roth, CESA)
0.45%$2k-
Matadors Community Credit Union
12 Month IRA (Traditional, Roth)
0.45%$1k-
MutualOne Bank
12 Month IRA (Traditional, Roth)
0.45%$500-
Pennsylvania State Employees Credit Union
12 Month IRA (Traditional, Roth, CESA)
0.45%$500-
Prime Alliance Bank
12 Month IRA
0.45%$500-
Bellco Credit Union
12 Month IRA (Traditional, Roth, CESA)
0.45%$500-
NASA FCU
12 Month IRA Certificate (Traditional, Roth)
0.45%$1k-
Financial Partners Credit Union
12 to 23 Month IRA (Traditional, Roth)
0.45%$1k-
One American Bank
11 Month IRA Special (Traditional, Roth)
0.45%$5k-
Allegacy FCU
12 Month IRA (Traditional, Roth, CESA)
0.40%*--
NuVision FCU
1 Year IRA (Traditional, Roth, CESA)
0.40%*$1k-
Market USA FCU
12 Month IRA (Traditional, Roth, CESA)
0.40%$500-
RTN FCU
12 Month IRA (Traditional, Roth, SEP)
0.40%$1k-
Self-Help Credit Union
12 Month IRA (Traditional, Roth)
0.40%$500-
Self-Help FCU
12 Month IRA (Traditional, Roth)
0.40%$500-
Wheelhouse Credit Union
12 Month IRA Certificate (Traditional, Roth)
0.40%$500-
Chartway FCU
12-17 Month IRA (Traditional, Roth)
0.40%--
bankESB
10 Month IRA Special (Traditional, Roth)
0.40%$1k-
Parda FCU
1 Year IRA (Traditional, Roth)
0.40%$500-
Corporate America Family Credit Union
12 Month IRA (Traditional, Roth, CESA)
0.35%*$1k-
SunWest
12 Month IRA Certificate
0.35%*$500-
Grow Financial FCU
12 - 17 Month IRA Certificate (Traditional, Roth)
0.35%*$500-
M.Y. Safra Bank
12 Month Classic IRA (Traditional, Roth)
0.35%$5k-
Home Savings Bank
12 Month Internet Only IRA (Traditional, Roth)
0.35%$5k-
American Bank
12 Month IRA (Traditional, Roth, CESA)
0.35%$250-
Marine FCU
12 Month IRA (Traditional, Roth, CESA, SEP)
0.35%$500-
MTC FCU
12 Month IRA (Traditional, Roth, CESA)
0.35%$250-
Pawtucket Credit Union
12 Month IRA (Traditional, Roth, CESA)
0.35%$500-
TBK Bank
12 Month IRA (Traditional, Roth, CESA)
0.35%$500-
Teachers FCU
12 Month IRA (Traditional, Roth)
0.35%$1k-
AgFed Credit Union
12 Month IRA Certificate (Traditional, Roth, CESA)
0.35%$250-
Garden Savings FCU
12 Month IRA Share Certificate (Traditional, Roth, CESA)
0.35%$500-
Salem Five
12 Month IRA Special (Traditional, Roth, CESA, SEP)
0.35%$2k-
Michigan State University FCU
1 Year Add-On IRA (Traditional, Roth, CESA, SEP)
0.35%$50-
Susquehanna Community Bank
1 Year IRA (Traditional, Roth, CESA)
0.35%$500$100k
People's Trust FCU
12 Month IRA (Traditional, Roth, CESA, SEP)
0.33%*$1k-
Workers Credit Union
12 Month IRA (Traditional, Roth)
0.30%*$1k-
Blue FCU
12 Month IRA (Traditional, Roth)
0.30%*$1k-
America's Credit Union
13 Month IRA (Traditional, Roth, CESA)
0.30%*$1k-
BB Americas Bank
1 Year IRA
0.30%*$1k-
California Coast Credit Union
12 Month IRA (Traditional, Roth, CESA, SEP)
0.30%*$1k-
Ideal Credit Union
12 Month IRA (Traditional, Roth)
0.30%*$500-
Premier America Credit Union
12 Month IRA (Traditional, Roth)
0.30%*$1k-
OneWest Bank (CA)
13 Month IRA
0.30%$1k-
Elements Financial
1 Year IRA (Traditional, Roth, CESA)
0.30%$1k-
Transportation FCU
1 Year IRA (Traditional, Roth, CESA)
0.30%$1k-
Veridian Credit Union
12 Month IRA Special (Traditional, Roth, CESA)
0.30%$1k-
Achieva Credit Union
12 Month IRA/457B (Traditional, Roth, CESA)
0.30%$500-
Amalgamated Bank
1 Year IRA (In Branch Only) (Traditional, Roth)
0.30%$500$250k
Bay State Savings Bank
12 Month IRA Special (Traditional, Roth, CESA, SEP)
0.30%$500-
Ponce Bank
12 Month IRA (Traditional, Roth, CESA)
0.30%$1k-
Premier Members Credit Union
12 Month IRA (Traditional, Roth)
0.30%$500$100k
Lake Michigan Credit Union
14 Month IRA CD (Traditional, Roth, CESA, SEP)
0.30%$500-
United States Senate FCU
12-23 Month IRA (Traditional, Roth, SEP)
0.28%*$1k-
Zions Bank
12 Month IRA CD (Traditional, Roth)
0.25%*$1k-
Cadets FCU
12 Month IRA Certificate
0.25%*$1k$250k
Capital Educators FCU
12 Month IRA Certificate
0.25%*$500-

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.

Leave a Reply

Your email address will not be published. Required fields are marked *