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.

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

Bank IRA Months Rates Min $ Max $
Lafayette FCU
5 Year Fixed IRA (Traditional, Roth, CESA)
1.26%$500-
Genisys Credit Union
5 Year IRA Certificate (Traditional, Roth, CESA)
1.25%$500-
Affinity Plus FCU
60 Month IRA (Traditional, Roth)
1.25%$500-
Teachers FCU
60 Month IRA (Traditional, Roth)
1.25%$1k-
American Heritage FCU
60 Month IRA Certificate (Traditional, Roth, CESA)
1.25%$1k-
Abound Credit Union
59 Month Rate Riser IRA (Traditional, Roth, CESA)
1.25%$500-
Interior FCU
60 Month IRA Certificate (Traditional, Roth, CESA)
1.22%$500-
Wings Financial Credit Union
5 Year IRA (Traditional, Roth, CESA)
1.21%*$500-
Connexus Credit Union
60 Month IRA Certificate (Traditional, Roth)
1.21%$5k-
PenFed Credit Union
5 Year IRA (Traditional, Roth, SEP)
1.20%$1k-
First National Bank of America
60 Month IRA (Traditional, Roth)
1.20%$1k-
Bellco Credit Union
60 Month IRA (Traditional, Roth, CESA)
1.20%$500-
Michigan State University FCU
5 Year IRA (Traditional, Roth, CESA, SEP)
1.15%$500-
First Technology FCU
60 Month IRA (Traditional, Roth, CESA)
1.15%$500-
AgFed Credit Union
60 Month IRA Certificate (Traditional, Roth, CESA)
1.15%$250-
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-
State Department FCU
60 Month IRA Certificate (Traditional, Roth)
1.10%$500-
5Star Bank
60 Month Variable IRA (Traditional, Roth)
1.09%$250-
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-
Discover Bank
5 Year IRA (Traditional, Roth)
1.00%$2.5k-
U S Postal Service FCU
5 Year IRA (Traditional, Roth, CESA)
1.00%$250-
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-
Synchrony Bank
60 Month IRA CD (Traditional, Roth)
1.00%$2k-
NASA FCU
60 Month IRA Certificate (Traditional, Roth)
1.00%$1k-
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-
Sun East FCU
60 Month IRA (Traditional, Roth)
0.90%$500-
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-
Velocity Credit Union
5 Year IRA Certificate (Traditional, Roth, SEP)
0.90%$1k-
SunWest
60 Month IRA Certificate
0.85%*$500-
American 1 Credit Union
5 Year IRA (Traditional, Roth, CESA)
0.85%$50-
TIAA Bank
5 Year IRA (Traditional, Roth)
0.85%$1k-
Northrop Grumman FCU
5 Year Term IRA (Traditional, Roth, CESA)
0.85%$2k-
Pen Air FCU
60 Month IRA (Traditional, Roth, SEP, CESA)
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-
Service Credit Union
60 Month IRA Certificate (Traditional, Roth)
0.85%$500-
Chartway FCU
60-71 Month IRA (Traditional, Roth)
0.85%--
Spectrum Credit Union
60 Month IRA (Traditional, Roth)
0.80%*$500-
Capital Educators FCU
60 Month IRA Certificate
0.80%*$500-
NuVision FCU
5 Year IRA (Traditional, Roth, CESA)
0.80%*$1k-
Signature FCU
5 Year IRA Certificate (Traditional, Roth, CESA)
0.80%*$500-
AFFCU
5 Year IRA Share Certificate (Traditional, Roth)
0.80%*$1k-
Chevron FCU
60 Month IRA (Traditional, Roth)
0.80%*$500-
Achieva Credit Union
60 Month IRA/457B (Traditional, Roth, CESA)
0.80%$500-
Ally Bank
5 Year IRA High Yield CD (Traditional, Roth, SEP)
0.80%--
Parda FCU
5 Year IRA (Traditional, Roth)
0.80%$500-
Alliant Credit Union
60 Month IRA (Traditional, Roth, SEP)
0.80%$1k$25k
Matadors Community Credit Union
60 Month IRA (Traditional, Roth)
0.80%$1k-
MTC FCU
60 Month IRA (Traditional, Roth, CESA)
0.80%$250-
Pennsylvania State Employees Credit Union
60 Month IRA (Traditional, Roth, CESA)
0.80%$500-
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
IncredibleBank
60 Month IRA (Traditional, Roth)
0.75%$1k-
RTN FCU
60 Month IRA (Traditional, Roth, SEP)
0.75%$1k-
Prime Alliance Bank
60 Month IRA
0.75%$500-
TAB Bank
60 Month IRA CD (Traditional, Roth, CESA)
0.75%$1k-
People's Trust FCU
60 Month IRA (Traditional, Roth, CESA, SEP)
0.73%*$1k-
Workers Credit Union
60 Month IRA (Traditional, Roth)
0.70%*$1k-
Grow Financial FCU
60 Month IRA Certificate (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-
Hyperion Bank
60 Month IRA (Traditional, Roth)
0.70%$500-
Langley FCU
60 Month IRA (Traditional, Roth)
0.70%$500-
Mountain America Credit Union
60 Month IRA (Traditional, Roth)
0.70%$500-
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-
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-
Market USA FCU
60 Month IRA (Traditional, Roth, CESA)
0.65%$500-
Bay State Savings Bank
60 Month IRA (Traditional, Roth, CESA, SEP)
0.65%$500-
Cadets FCU
5 Year IRA Certificate
0.63%*$1k$250k
Newtown Savings Bank
5 Year IRA (Traditional, Roth)
0.60%$500-
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-
Allegacy FCU
5 Year IRA (Traditional, Roth, CESA)
0.55%*--
First Security Bank & Trust
60 Month IRA (Traditional, Roth, SEP)
0.55%*$2.5k-
MutualOne Bank
61 Month IRA (Traditional, Roth)
0.55%$5k$1m

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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