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Featured 2-Year CD Rates
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2 Year IRA Rates in Idaho

Compare two year fixed IRA rates available in Idaho. 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 24 month IRA rates available in Idaho. 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:
99
RESULTS

Results

Quorum Federal Credit Union25 Month IRA Term Savings (Traditional,Roth)1.50%$1k-$789
DETAILS
Melrose Credit Union2 Year Share IRA Certificate (Traditional,Roth,CESA)15 Reviews1.41%$4k-$710
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Pinnacle Federal Credit Union24 Month IRA (Traditional,Roth,CESA)4 Reviews1.31%$500-$661
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Triumph Savings Bank, SSB24 Month IRA (Traditional,Roth)1.30%$1k-$656
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Connexus Credit Union24 Month IRA Certificate With Active Checking (Traditional,CESA,Roth)14 Reviews1.30%$10k-$654
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EverBank2 Year Yield Pledge IRA (Traditional,Roth)13 Reviews1.26%$1,500-$634
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Capital Educators Federal Credit Union24 Month Promotional IRA Certificate (Traditional,Roth,CESA,SEP)1.25%$500-$631
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CIT Bank2 Year RampUp Plus IRA (Traditional,Roth)46 Reviews1.25%$25k-$629
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Salem Five24 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.25%$2k-$629
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Digital Credit Union27 Month Jump-Up IRA - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews1.23%$500-$699
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Nationwide Bank24 Month IRA (Traditional,Roth)9 Reviews1.22%--$615
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Affinity Credit Union24 Month LadderUP IRA5 Reviews1.20%$500-$604
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Ally BankIRA Raise Your Rate 2-Year CD (Traditional,Roth,SEP)127 Reviews1.19%--$599
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Silvergate Bank2 Years IRA1.16%$25k$225k$583
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Discover Bank24 Month IRA (Traditional,Roth)30 Reviews1.15%$2,500-$580
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Synchrony Bank24 Month IRA CD (Traditional,Roth)13 Reviews1.15%$25k-$580
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Hudson City Savings Bank2 Year Internet IRA (Traditional,Roth,SEP,CESA,SIMPLE)13 Reviews1.15%$5k-$578
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Alliant Credit Union24 - 35 Month Roth IRA13 Reviews1.10%$1k-$584
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Northrop Grumman Federal Credit Union2 Year Term IRA (Traditional,Roth,CESA)1.07%$2k-$538
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First Internet Bank of IN24 Month IRA (Traditional,Roth,CESA)1 Review1.05%--$529
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Pen Air Credit Union24 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews1.05%$500-$529
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Geauga Savings Bank24 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review1.05%--$529
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Northwest Federal Credit Union2 Year IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews1.05%$25k-$528
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Intervest National Bank2 Year IRA CD (Traditional,Roth,CESA)3 Reviews1.01%$1k-$508
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Andrews Federal Credit Union24 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews1.00%$1k-$504
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Communitywide Credit Union24 Month IRA Share Certificate1.00%$2k-$504
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Sandia Laboratory Credit Union24 Month IRA (Traditional,Roth,CESA)0.95%$1k-$479
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Patriot Bank24 Month IRA4 Reviews0.95%$1k-$479
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Security Bank (OK)24 Month IRA (Traditional,Roth)0.95%$2k-$479
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Pacific Mercantile Bank2 Year IRA (Traditional,Roth)6 Reviews0.93%$7,500-$467
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Belvoir Federal Credit Union24 Month IRA Share Certificate1 Review0.90%$1k-$453
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Air Force Federal Credit Union2 Year IRA (Traditional,Roth,CESA)0.90%$1k-$452
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Pentagon Federal Credit Union2 Year IRA40 Reviews0.90%$1k-$452
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OneUnited BankUNITY 2 Year IRA CD1 Review0.90%$1k-$452
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Giantbank.com24 Month Giant IRA1 Review0.85%$1k-$428
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Northern Bank & Trust Company24 Month IRA (Traditional,Roth,CESA,SEP)0.85%$500-$428
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AloStar Bank of Commerce24 Month IRA3 Reviews0.85%$1k-$428
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Astera Credit Union2 Year IRA (Traditional,Roth,CESA)2 Reviews0.85%$500-$427
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OneWest Bank N.A. (Pasadena, CA)2 Year IRA (Traditional,Roth,SEP)16 Reviews0.85%$1k-$427
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The Jacksonville Bank24 - 35 Month IRA (Traditional,Roth)1 Review0.82%$1k-$434
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Displaying 1-40 of 99 Results



2 Year IRA Rate Trend

2-Year IRA CD

The 2-Year IRA CD, or 24-Month IRA, is a tax-advantaged savings account that functions as a time deposit with a specific maturity date and set interest rate. An easy way to understand this product is to picture a big circle titled “IRA” with a little circle titled “CD” inside of it. The CD is the means by which the IRA gains value or interest. When you open an IRA CD, the IRA remains constant and the time deposit (i.e., the certificate of deposit) earns interest that is added to the account, typically on a monthly basis.

The IRA remains constant in the sense that it comes with rules that govern how an investor may use its tax advantages. You can liquidate an IRA CD at any point, but the proceeds will be subject to income tax or penalties when they lose their “IRA” covering. The IRS sets the contribution limits (which typically change every year) and distribution terms (which differ for Traditional and Roth accounts). CESA (Coverdell Education Savings Account) and SEP (Simplified Employee Pension) plans are also IRA options usually offered by banks and credit unions listed on DepositAccounts.

If you liquidate, or close out, a 2-Year IRA CD when the CD matures and decide not to roll the proceeds over to another IRA, you must report the money as taxable income. For banks and credit unions insured by the FDIC or NCUA, respectively, each individual depositor is insured up to $250,000 per institution. This is important to keep in mind if you plan to move the funds in your IRA in and out of CDs to take advantage of prevailing interest rates.