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1 Year IRA Rates in Hawaii

Compare one year fixed IRA rates available in Hawaii. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 12 month IRA rates available in Hawaii. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.

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Deposit Amount | $1 $100,000
Currently Including:
98
RESULTS

Results

Xceed Financial Credit Union14 Month IRA (Traditional,Roth,CESA)9 Reviews1.40%$500-$410
DETAILS
Melrose Credit Union1 Year Share IRA Certificate (Traditional,Roth,CESA)15 Reviews1.15%$4k-$288
DETAILS
Synchrony Bank12 Month IRA CD (Traditional,Roth)10 Reviews1.10%$25k-$276
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Connexus Credit Union12 Month IRA Certificate With Active Checking (Traditional,Roth,CESA)14 Reviews1.10%$10k-$276
DETAILS
Silvergate Bank1 Year IRA1.08%$25k$225k$270
DETAILS
Capital Educators Federal Credit Union12 Month Promotional IRA Certificate (Traditional,Roth,CESA,SEP)1.05%$500-$263
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CIT Bank1 Year RampUp Plus IRA (Traditional,Roth)47 Reviews1.05%$25k-$262
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Nationwide Bank12 Month IRA (Traditional,Roth)9 Reviews1.02%$500-$256
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Discover Bank12 Month IRA (Traditional,Roth)28 Reviews1.00%$2,500-$251
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Salem Five12 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.00%$2k-$250
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Ally BankIRA High Yield 12-Month CD (Traditional,Roth,SEP)118 Reviews0.95%--$238
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First Internet Bank of IN12 Month IRA (Traditional,Roth,CESA)1 Review0.90%--$226
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Geauga Savings Bank12 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review0.90%--$226
DETAILS
EverBank1 Year Yield Pledge IRA (Traditional,Roth)13 Reviews0.86%$1,500-$215
DETAILS
Andrews Federal Credit Union12 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews0.85%$1k-$213
DETAILS
Digital Credit Union12 - 23 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews0.85%$500-$211
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Patriot Bank13-23 Month IRA4 Reviews0.85%$1k-$211
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AloStar Bank of Commerce12 Month IRA3 Reviews0.80%$1k-$201
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Pentagon Federal Credit Union1 Year IRA40 Reviews0.80%$1k-$200
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Pacific Mercantile Bank1 Year IRA (Traditional,Roth)6 Reviews0.79%$2,500-$198
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Northrop Grumman Federal Credit Union1 Year Term IRA (Traditional,Roth,CESA)0.77%$2k-$192
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OneWest Bank N.A. (Pasadena, CA)13 Month IRA (Traditional,Roth,SEP)16 Reviews0.75%$1k-$203
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Pen Air Credit Union13 Month-Special IRA (Traditional,Roth,SEP,CESA)2 Reviews0.75%$500-$203
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Belvoir Federal Credit Union12 Month IRA Share Certificate1 Review0.75%$1k-$188
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Alliant Credit Union12 - 17 Month Roth IRA13 Reviews0.75%$1k-$186
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USAA Bank1 Year IRA - Standard (Traditional,Roth,SEP,SIMPLE)55 Reviews0.71%$250$95k$178
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North American Savings Bank14 Month IRA with Checking (Traditional,Roth,CESA)1 Review0.70%$10k-$205
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Lake Michigan Credit Union13 Month VIP IRA CD35 Reviews0.70%$500-$190
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Communitywide Credit Union12 Month IRA Share Certificate0.70%$2k-$175
DETAILS
Northwest Federal Credit Union1 Year IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews0.70%$25k-$175
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UmbrellaBank.com1 Year IRA0.66%$1k-$165
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Giantbank.com12 Month Giant IRA0.65%$1k-$163
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Security Bank (OK)12 Month IRA (Traditional,Roth)0.65%$2k-$163
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Hudson City Savings Bank13 Month IRA (Traditional,Roth,SEP,CESA,SIMPLE)11 Reviews0.60%$500-$163
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NewDominion Bank12 Month IRA (Traditional,Roth)0.60%$500-$150
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Northern Bank & Trust Company12 Month IRA (Traditional,Roth,CESA,SEP)0.60%$500-$150
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Presidential Bank (MD)1 Year IRA5 Reviews0.60%$1k-$150
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Affinity Credit Union12 Month LadderUP IRA5 Reviews0.60%$500-$150
DETAILS
National Bank of Kansas City12 - 23 Month IRA (Traditional,Roth)0.60%--$149
DETAILS
Sandia Laboratory Credit Union12 Month IRA (Traditional,Roth,CESA)0.55%$1k-$138
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Displaying 1-40 of 98 Results



1 Year IRA Rate Trend

1-Year 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.

Using the Rate Table

The 1-Year IRA CD, also called a 12 Month IRA, is offered with the highest interest rates by credit unions, followed by online banks. In our rate table above you can view membership requirements for the corresponding credit union by clicking the plus button to the left of the institution’s name. To view more detailed information about the bank or credit union (e.g., other products, rates, financial health, consumer reviews), simply click on the name.

The CD Component

The certificate of deposit part of the IRA CD serves as the instrument by which the account grows in earnings. The IRA component is the vehicle in which CD earnings live and grow. Some IRAs invest in stocks, some in bonds, and some in mutual funds among other things. IRA CDs are IRAs that invest in certificates of deposit, which make them time-restricted investments. When the CD within the IRA expires, however, you must move the proceeds into another IRA account, whether IRA CD or not, in order to avoid the tax implications. For this reason, IRA CDs also make sense when you need to roll over proceeds from another retirement account for a period of time to avoid being taxed before putting the funds into a longer-term investment vehicle.

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.