IRA Savings Rates
IRA savings accounts provide a means of saving for retirement without having funds locked up for a set amount of time.
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| Bank or Credit Union | Apy | Min | Max | 1yr Est. Earnings | Product | |
| Connexus Credit Union | 1.50% | $10k | - | $150 | IRA Supreme Account w/Active Checking | |
| Valley Industrial Credit Union | 1.46% | - | - | $146 | IRA Savings Account | |
| The Blue Grass Valley Bank | 1.25% | $100 | - | $125 | Blue Grass Retirement Account | |
| Central Virginia Credit Union | 1.01% | - | - | $101 | Traditional IRA Account | |
| Piedmont Credit Union | 1.00% | $50 | - | $100 | IRA Share Account | |
| PortAlliance Credit Union | 1.00%* | $10k | - | $100 | IRA Account | |
| Beacon Credit Union | 0.95% | - | - | $95.00 | IRA | |
| Vantage Point Credit Union | 0.95% | $5k | - | $95.00 | IRA Shares | |
| Ally Bank | 0.84% | - | - | $84.00 | IRA Online Savings | |
| CIT Bank | 0.80%* | $100 | - | $80.00 | IRA Savings Account | |
| Capital One 360 | 0.75% | - | - | $75.00 | IRA Savings | |
| NARFE Premier Federal Credit Union | 0.75% | - | - | $75.00 | Roth IRA Savings | |
| Capital Educators Federal Credit Union | 0.75% | - | - | $75.00 | IRA Savings (59 1/2) Traditional | |
| HEW Credit Union | 0.75% | $3,500 | - | $75.00 | IRA Variable Rate Share | |
| Cattaraugus County Bank | 0.75% | $100 | - | $75.00 | Individual Retirement Account | |
| Northern Star Credit Union | 0.75% | $250 | - | $75.00 | IRA Share Account | |
| Alliant Credit Union | 0.70% | - | - | $70.00 | IRA Savings | |
| Call Credit Union | 0.60% | - | - | $60.00 | IRA Account | |
| Lake Michigan Credit Union | 0.60% | - | - | $60.00 | Roth IRA Shares | |
| Self-Help Credit Union | 0.55% | - | - | $55.00 | Roth IRA Savings | |
| Northwest Federal Credit Union | 0.50% | - | - | $50.00 | Share Roth IRA | |
| EVB Bank | 0.50% | $100 | - | $50.00 | SEP IRA Savings | |
| Melrose Credit Union | 0.50% | - | - | $50.00 | IRA Share Account | |
| State Department Federal Credit Union | 0.50% | - | - | $50.00 | IRA Share | |
| Bank of the James | 0.50% | - | - | $50.00 | Community Market IRA | |
| Peoples Advantage Credit Union | 0.50% | $1k | - | $50.00 | IRA Share Accounts | |
| Logix Federal Credit Union | 0.45%* | $10k | - | $45.00 | IRA Savings | |
| North Country Savings Bank | 0.45%* | $10k | - | $45.00 | IRA Advantage | |
| Chartway Federal Credit Union | 0.40% | $100 | - | $40.00 | IRA Share | |
| Money One Federal Credit Union | 0.40%* | $2,500 | - | $40.00 | IRA Savings Account | |
| Andrews Federal Credit Union | 0.40% | $100 | - | $40.00 | IRA Savings | |
| University Of Va Community Credit Union | 0.40% | $100 | - | $40.00 | Traditional IRA | |
| Bank @LANTEC | 0.35% | $25 | - | $35.00 | Traditional IRA | |
| Justice Federal Credit Union | 0.35% | - | - | $35.00 | IRA Share | |
| Appalachian Community Credit Union | 0.35% | - | - | $35.00 | IRA Share | |
| America's Credit Union | 0.30% | $50 | - | $30.00 | Roth IRA Savings | |
| New Generations Federal Credit Union | 0.30% | - | - | $30.00 | IRA Share Savings | |
| John Marshall Bank | 0.30% | $5k | - | $30.00 | Premium IRA Savings | |
| Bayport Credit Union | 0.30% | $100 | - | $30.00 | IRA Savings | |
| Partners 1St Credit Union | 0.30% | - | - | $30.00 | IRA Shares | |
| Communitywide Credit Union | 0.30% | $2k | - | $30.00 | I.R.A.Savings | |
| Sandia Laboratory Credit Union | 0.30%* | $10k | - | $30.00 | IRA Share Savings | |
| Xceed Financial Credit Union | 0.25% | - | - | $25.00 | IRA Savings | |
| Principal Bank | 0.25% | - | - | $25.00 | High Yield Roth IRA | |
| Pinnacle Federal Credit Union | 0.25% | $50 | - | $25.00 | Roth IRA Share Savings | |
| Air Force Federal Credit Union | 0.25%* | - | - | $25.00 | IRA Shares | |
| Northrop Grumman Federal Credit Union | 0.25% | $100 | - | $25.00 | IRA Accumulation | |
| Consumers Credit Union (IL) | 0.25% | - | - | $25.00 | IRA Savings | |
| ABNB Credit Union | 0.25% | $200 | - | $25.00 | IRA Share Account | |
| Arlington Community Credit Union | 0.25% | - | - | $25.00 | IRA Savings | |
| Credit Union Of New Jersey | 0.25% | $200 | - | $25.00 | IRA Share Account | |
| Nma Credit Union | 0.25% | $25 | - | $25.00 | IRA Share Account | |
| WashingtonFirst Bank | 0.25% | $100 | - | $25.00 | IRA Savings | |
| Fedstar Credit Union | 0.25% | - | - | $25.00 | IRA Account | |
| University Federal Credit Union | 0.25% | $100 | - | $25.00 | Variable Rate IRA | |
| Marine Federal Credit Union | 0.25% | - | - | $25.00 | Traditional IRA Share | |
| Dupont Community Credit Union | 0.25% | $1k | - | $25.00 | IRA Account | |
| 1St Advantage Credit Union | 0.25% | $100 | - | $25.00 | IRA Variable | |
| NSWC Credit Union | 0.25%* | $10k | - | $25.00 | Variable Rate IRA Account | |
| First Technology Federal Credit Union | 0.23%* | $10k | - | $23.00 | Instant Access IRA | |
| Digital Credit Union | 0.20% | - | - | $20.00 | Roth IRA Savings | |
| Apple Federal Credit Union | 0.20%* | - | - | $20.00 | IRA Share | |
| Pendleton Community Bank | 0.20% | - | - | $20.00 | SEP IRA | |
| New Peoples Bank, Inc. | 0.20% | $500 | - | $20.00 | Variable Rate Savings IRA | |
| Astera Credit Union | 0.20% | - | - | $20.00 | IRA Account | |
| Baylands Credit Union | 0.20% | - | - | $20.00 | IRA Account | |
| The Richmond Postal Credit Union In | 0.20% | - | - | $20.00 | Traditional IRA | |
| Third Federal | 0.20%*† | $5k | - | $20.00 | Retirement High Yield Savings | |
| Pentagon Federal Credit Union | 0.15% | $10k | - | $15.00 | IRA Premier Account | |
| InTouch Credit Union | 0.15% | - | - | $15.00 | IRA Savings | |
| Argent Credit Union | 0.15% | $100 | - | $15.00 | IRA Shares Savings Account | |
| Farmers Bank (VA) | 0.15% | $100 | - | $15.00 | IRA Savings | |
| Freedom First Credit Union | 0.15%* | $5k | - | $15.00 | IRA Savings Account | |
| Truliant Credit Union | 0.15%* | - | - | $15.00 | IRA Savings | |
| Mcgraw Hill Credit Union | 0.15% | - | - | $15.00 | IRA Savings | |
| United Southeast Credit Union | 0.15%* | $5k | - | $15.00 | IRA Share Account | |
| Randolph Bank & Trust Company | 0.10% | - | - | $10.00 | Variable Rate IRA Savings | |
| First National Bank (LA) | 0.10% | - | - | $10.00 | IRA Savings | |
| A. B. & W. Emp. Credit Union Inc | 0.10% | $250 | - | $10.00 | Roth IRA Share | |
| Fairfax County Credit Union | 0.10% | - | $500k | $10.00 | Roth IRA | |
| South Division Credit Union | 0.10% | $50 | - | $10.00 | IRA Accounts | |
| Bronco Federal Credit Union | 0.10% | $100 | - | $10.00 | IRA Savings Account | |
| 20Th Century Fox Credit Union | 0.10%* | $10k | - | $10.00 | IRA Savings | |
| Affinity Credit Union | 0.10% | $50 | - | $10.00 | IRA Accumulator | |
| Front Royal Credit Union | 0.10% | - | - | $10.00 | IRA Account | |
| The National Bank of Blacksburg | 0.08% | - | - | $8.00 | IRA Savings | |
| Commonwealth One Credit Union | 0.07%* | $2,500 | - | $7.00 | IRA Share | |
| Simplicity Bank | 0.05% | $100 | - | $5.00 | IRA Savings | |
| Great Lakes Credit Union | 0.05% | $100 | - | $5.00 | IRA Share Savings | |
| ViewPoint Bank, National Association | 0.05% | $1k | - | $5.00 | IRA Ultimate Savings | |
| Belvoir Federal Credit Union | 0.05% | $50 | - | $5.00 | IRA Share | |
| Wells Fargo Bank | 0.05%† | - | - | $5.00 | Wells Fargo Retirement Way2Save Savings | |
| Guardian Credit Union | 0.04% | $100 | - | $4.00 | IRA Savings Account | |
| Sandy Spring Bank | 0.03% | - | - | $3.00 | IRA Savings | |
| INOVA Federal Credit Union | 0.01% | - | - | $1.00 | IRA Savings |
Nationwide CDs
Resources
Average IRA Savings Rate Trend
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
* All banks listed are a Member FDIC.