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Featured 2-Year CD Rates
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1 Year IRA Rates

Compare one year IRA rates from banks and credit unions. When selecting an IRA CD it's important to shop around to ensure you are getting the best rate possible. We have compiled a list of thousands of IRA CD rates throughout the country to make this process easier. Use the filter box below to customize your results.

Customize your search to find the best account for you
Deposit Amount | $1 $100,000
Currently Including:
200
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
North American Savings Bank13 Month IRA with Checking (Traditional,CESA,Roth)1 Review1.10%$10k-$298
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Triumph Savings Bank, SSB12 Month IRA (Traditional,Roth)1.10%$1k-$276
DETAILS
Synchrony Bank12 Month IRA CD (Traditional,Roth)12 Reviews1.10%$25k-$276
DETAILS
Connexus Credit Union12 Month IRA Certificate With Active Checking (Traditional,Roth,CESA)14 Reviews1.10%$10k-$276
DETAILS
Lincoln Park Savings Bank1 Year IRA (Traditional,Roth,CESA)1.10%$500-$275
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Silvergate Bank1 Year IRA1.08%$25k$225k$270
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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)46 Reviews1.05%$25k-$262
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Nationwide Bank12 Month IRA (Traditional,Roth)9 Reviews1.02%$500-$256
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Parke Bank13 Month IRA (Traditional,Roth)1 Review1.00%$500-$271
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Discover Bank12 Month IRA (Traditional,Roth)30 Reviews1.00%$2,500-$251
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First Choice Bank (NJ)12 Month IRA (Traditional,Roth,SEP)1 Review1.00%$1k-$251
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Ally BankIRA High Yield 12-Month CD (Traditional,Roth,SEP)124 Reviews1.00%--$251
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Oritani BankLoyalty 12 Month IRA (Traditional,CESA,Roth)1.00%$1k-$251
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Salem Five12 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.00%$2k-$250
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Freedom Bank (NJ)12-17 Month IRA (Traditional,Roth,SEP)1.00%$500-$249
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First Bank (NJ)11 Month IRA1.00%$500-$229
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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
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Alliant Credit Union12 - 17 Month Roth IRA13 Reviews0.90%$1k-$224
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Grand Bank, N.A.12 Month IRA (Traditional,Roth)0.85%$1k-$213
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Andrews Federal Credit Union12 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews0.85%$1k-$213
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Bogota Savings Bank1 Year IRA0.85%$500-$213
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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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BBCN Bank12 Month IRA CD1 Review0.80%$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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The Berkshire Bank13 Month IRA6 Reviews0.75%$1k$500k$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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AloStar Bank of Commerce12 Month IRA3 Reviews0.75%$1k-$188
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Belvoir Federal Credit Union12 Month IRA Share Certificate1 Review0.75%$1k-$188
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Royal Bank America1 Year IRA0.75%$1k-$188
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First Point FCU1 Year IRA (Traditional,Roth,CESA)0.75%$1k-$188
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Chartway Federal Credit Union12-17 Month IRA (Traditional,Roth,CESA)9 Reviews0.75%$10k-$186
DETAILS
Jersey Shore Credit Union12-60 Month IRA Certificate (Traditional,Roth)0.75%$25k-$186
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Displaying 1-40 of 200 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.