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6+ Year IRA Rates in Ohio

Compare 6+ year fixed IRA rates available in Ohio. 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 60 month IRA rates available in Ohio. 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:
46
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)30 Reviews2.30%$2,500-$6,383
DETAILS
Community Savings Bank (OH)72 Month IRA Special (Traditional,Roth)2.25%$1k-$3,571
DETAILS
Franklin Federal Savings Bank7 Year IRA Certificate (Traditional,Roth)2.22%$500-$4,154
DETAILS
North American Savings Bank60 - 120 Month IRA with Checking (Traditional,Roth,CESA)1 Review2.10%$10k-$10,029
DETAILS
Wright-Patt Credit Union60-71 Month IRA2.06%$500-$9,807
DETAILS
Vacationland Credit Union72 Month IRA (Traditional,Roth,CESA)2.02%$500-$3,196
DETAILS
The Peoples Savings Bank (OH)6-10 Year IRA (Traditional,Roth)2.01%$500-$9,531
DETAILS
Cincinnati Federal Savings and Loan Association60-120 Month IRA2.00%$500-$9,476
DETAILS
Third Federal Savings and Loan (OH)72 Month IRA (Traditional,Roth,SEP)2 Reviews2.00%$100-$3,163
DETAILS
Dover-Phila Credit Union72 Month IRA Certificate (Traditional,Roth)2.00%$500-$3,163
DETAILS
SunTrust Bank66 Month Banker Special Promotional IRA (Traditional,Roth,SEP,SIMPLE)29 Reviews2.00%$2k-$2,885
DETAILS
Kemba Financial Credit Union84 Month KEMBA Advantage IRA Certificate (Traditional,CESA)4 Reviews1.75%$250-$3,237
DETAILS
INOVA Federal Credit Union6 Year IRA (Traditional,Roth,CESA)17 Reviews1.70%$200-$2,661
DETAILS
Air Force Federal Credit Union7 Year IRA (Traditional,Roth,CESA)1.60%$2,500-$2,938
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Monroe Federal Savings and Loan Association7 Year IRA Certificate1.60%$500-$2,938
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The Home Loan Savings Bank60 - 120 Month IRA (Traditional,Roth)1.50%$500-$6,834
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Century Credit Union60-71 Month IRA Share Certificate (Traditional,Roth,CESA)1.50%$25k-$6,834
DETAILS
Consumers National Bank72 Month IRA (Traditional,Roth,SEP)2 Reviews1.50%$2,500-$2,343
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North Valley Bank72 Month IRA1.50%$1k-$2,343
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Galion Building and Loan Bank8 Year IRA1.36%$500-$2,853
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Principal Bank72 Month IRA (Traditional,Roth)1.36%$2,500-$2,117
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Education First Credit Union (OH)84 Month IRA1.35%$500-$2,467
DETAILS
Intervest National Bank10 Year IRA CD (Traditional,Roth,CESA)3 Reviews1.31%$1k-$3,475
DETAILS
PNC Bank, National Association120 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)54 Reviews1.30%$25k-$3,457
DETAILS
The Commercial Savings Bank84 Month SPECIAL IRA1.27%$1k-$2,316
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Chartway Federal Credit Union60-71 Month IRA (Traditional,Roth,CESA)9 Reviews1.26%$10k-$5,634
DETAILS
First Choice America Community Credit Union120 Month IRA Certificate (Traditional,Roth,CESA)1.26%--$3,344
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Eli Lilly Credit Union7 Year IRA (Traditional,Roth)1.26%--$2,290
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Pentagon Federal Credit Union7 Year IRA40 Reviews1.21%$1k-$2,196
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LCNB National Bank60 - 71 Month Bonus IRA (Traditional,Roth,CESA)1.20%$1k-$5,340
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Northrop Grumman Federal Credit Union7 Year Term IRA (Traditional,Roth,CESA)1.19%$2k-$2,158
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Home Savings72 Month IRA (Traditional,Roth,CESA)1 Review1.15%$500-$1,780
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The First National Bank of Blanchester7 Year IRA1.10%$1k$100k$1,990
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USAA Bank7 Year IRA - Standard (Traditional,Roth,SEP,SIMPLE)60 Reviews1.06%$250$95k$1,915
DETAILS
Chase Manhattan Bank120 Month IRA Special - Relationship (Traditional,Roth,SEP)100 Reviews1.01%$10k-$2,651
DETAILS
Greenville National Bank78 Month IRA (Traditional,SEP,CESA,Roth)1.00%$1k-$1,675
DETAILS
Chaco Credit Union72 Month IRA (Traditional,Roth)1 Review1.00%$500-$1,542
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Univest Bank and Trust Co.72 Month IRA (Traditional,Roth)1 Review0.95%$500-$1,463
DETAILS
Greenville Federal60-66 Month IRA0.90%$500-$3,913
DETAILS

Displaying 1-40 of 46 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.