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6+ Year IRA Rates

Compare rates on 6+ year IRAs from banks and credit unions. Use the filter box below to customize your results.

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Deposit Amount | $1 $100,000
Currently Including:
40
RESULTS

Results

Apple Federal Credit Union120 Month IRA Certificate (Traditional,Roth,CESA)17 Reviews2.60%$500-$7,338
DETAILS
Discover Bank10 Year IRA (Traditional,Roth)28 Reviews2.25%$2,500-$6,230
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Valley National Bank6 Year IRA (Traditional,Roth,CESA)11 Reviews2.25%$250-$3,571
DETAILS
Franklin Federal Savings Bank7 Year IRA Certificate (Traditional,Roth)2.22%$500-$4,154
DETAILS
Columbia Bank (NJ)72 Month IRA (Traditional,CESA,Roth)4 Reviews2.15%$500-$3,413
DETAILS
North American Savings Bank60 - 120 Month IRA with Checking (Traditional,Roth,CESA)1 Review2.00%$10k-$9,476
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Clifton Savings Bank84 Month IRA (Traditional,Roth,CESA)1 Review2.00%$500-$3,728
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Third Federal Savings and Loan (OH)72 Month IRA (Traditional,Roth,SEP)2 Reviews2.00%$100-$3,163
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SunTrust Bank66 Month Banker Special Promotional IRA (Traditional,Roth,SEP,SIMPLE)28 Reviews2.00%$2k-$2,885
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RSI BANK61 Month IRA1.90%$250-$2,517
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Colonial Bank, FSB84 Month IRA (Traditional,Roth)1.85%$500-$3,433
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Northrop Grumman Federal Credit Union7 Year Term IRA (Traditional,Roth,CESA)1.83%$2k-$3,384
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Haven Savings Bank10 Year IRA1.75%$100-$4,736
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Ocean City Home Bank84 Month IRA (Traditional,Roth,SEP,SIMPLE)1 Review1.70%--$3,140
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Air Force Federal Credit Union7 Year IRA (Traditional,Roth,CESA)1.60%$2,500-$2,938
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INOVA Federal Credit Union6 Year IRA (Traditional,Roth,CESA)15 Reviews1.49%$200-$2,320
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Susquehanna Bank84 - 119 Month Fixed Rate IRA (Traditional,Roth,CESA)10 Reviews1.40%$500-$6,328
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Millington Savings Bank120 Month IRA (Traditional,Roth,CESA)2 Reviews1.36%$250-$3,626
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Principal Bank72 Month IRA (Traditional,Roth)1.36%$2,500-$2,117
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PNC Bank, National Association120 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)54 Reviews1.30%$25k-$3,457
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Eli Lilly Credit Union7 Year IRA (Traditional,Roth)1.26%--$2,290
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Investors Bank10 Year IRA (Traditional,Roth)1 Review1.25%$500-$3,307
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KeyBank10 Year Tiered IRA - Relationship25 Reviews1.25%$25k$100k$3,307
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Manasquan Savings Bank7 Year IRA (Traditional,Roth,CESA)1 Review1.25%$500-$2,271
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Pentagon Federal Credit Union7 Year IRA40 Reviews1.21%$1k-$2,196
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Royal Bank America10 Year IRA1.20%$1k-$3,167
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NVE Bank (NJ)72 Month IRA (Traditional,CESA,Roth)1.20%$500-$1,860
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Millville Savings and Loan Association7 Year IRA (Traditional,Roth,CESA)1.16%$1k-$2,102
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First Financial Credit Union72 Month IRA Savings Certificate1.11%$500-$1,717
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USAA Bank7 Year IRA - Standard (Traditional,Roth,SEP,SIMPLE)55 Reviews1.06%$250$95k$1,915
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Union Bank (San Francisco, CA)60 - 120 Month IRA Time Deposit (Traditional,Roth,CESA)20 Reviews1.01%$350-$4,429
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Chase Manhattan Bank120 Month IRA Special - Relationship (Traditional,Roth,SEP)92 Reviews1.01%$10k-$2,651
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Univest Bank and Trust Co.72 Month IRA (Traditional,Roth)1 Review0.95%$500-$1,463
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Bank of Blue Valley60 - 71 Months IRA (Traditional,Roth,CESA,SEP)3 Reviews0.75%$500-$3,223
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The First National Bank of Absecon60 - 83 Month IRA0.75%--$3,223
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Regions Bank60 - 72 Month IRA (Traditional,Roth,CESA)43 Reviews0.60%$250-$2,549
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Fox Chase Bank120 Month IRA (Traditional,Roth)1 Review0.55%$500-$1,414
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Comerica Bank7 - 10 Year IRA (Traditional,CESA,SEP,Roth,SIMPLE)10 Reviews0.40%$1k-$1,673
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Wells Fargo Bank60 - 71 Month IRA (Traditional,Roth,SEP)196 Reviews0.35%--$1,459
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Bank of America60 - 119 Month IRA - Platinum Rate (Traditional,Roth)152 Reviews0.15%$1k-$616
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Displaying 1-40 of 40 Results



6+ Year IRA Rate Trend

6+ Year IRA CD

Types of 6+ Year IRA CDs available in the rate table on DepositAccounts include a Roth IRA 7 Year CD, a Traditional IRA 7 Year CD, a 120 Month IRA Certificate, and a 10 Year IRA to name a few. SEP IRAs and CESA IRAs are also available with several offerings. IRA Certificates of Deposit are time deposits with tax implications and benefits, purchased by consumers from a financial institution. IRA CDs can only be funded up to the amount allowed by the IRS, which varies from year to year. Roth IRA rules differ from Traditional IRA rules in a few ways, including how contributions and distributions are handled for tax purposes.

Some investors use a broker to fund multiple 6+ Year IRA CDs, as they typically come with the top CD rates. However, contributions in total (regardless of the number of accounts) count towards the maximum permitted by the IRS. The bank or credit union issuing the IRA CD has the prerogative to designate the CD in the account agreement as “callable” or “non-callable.” A callable CD is usually a better deal for the financial institution, as it allows them to close, or call, your CD if interest rates are declining to prevent you from keeping a higher interest rate.

CD laddering is also an effective way to hedge long term IRA CDs against inflation risk or other factors. IRA withdrawal rules and taxes apply are applied to an IRA CD based on its type and can cripple any gains achieved. Planning appropriately as to when you will need the funds you are committing is necessary to avoid having to take them out early (unless of course you will benefit from removing them to take advantage of rising interest rates). There is a CD calculator on DepositAccounts to help you manage early withdrawals if they become necessary or desirable.