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. You can also read more about the IRA CD product category by clicking here or by scrolling down below this rate table.

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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

148 Results

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Nationwide Only
EFCU Financial12 Month IRA (Traditional, Roth, CESA)
0.90%
$500-$225
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)8 Reviews
0.80%
$500-$200
Communitywide FCU12 Month IRA (Traditional, Roth)8 Reviews
0.75%
$1k-$188
Hughes FCU12 Month IRA (Traditional, Roth, SEP)10 Reviews
0.75%
$1k-$188
Interior FCU12 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
0.71%
$500-$178
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)12 Reviews
0.70%
$1k-$205
State Department FCU12 Month IRA Certificate (Traditional, Roth)11 Reviews
0.70%
$500-$175
Genisys Credit Union13 Month IRA Certificate Special (Traditional, Roth, CESA)13 Reviews
0.65%
$500$100k$176
Hiway Credit Union12 – 23 Month IRA (Traditional, Roth, CESA)9 Reviews
0.65%*
$25k-$162
Connexus Credit Union12 Month IRA Certificate (Traditional, Roth)51 Reviews
0.61%
$5k-$152
Synchrony Bank14 Month IRA CD (Traditional, Roth)348 Reviews
0.60%
$2k-$176
Financial Resources FCU14 Month IRA Special (Traditional, Roth, CESA)5 Reviews
0.60%
$500-$176
American Heritage FCU13 Month IRA Certificate (Traditional, Roth, CESA)7 Reviews
0.60%
$1k-$163
Quorum FCU13 Month IRA Term Savings - New Money (Traditional, Roth)11 Reviews
0.60%
$1k-$163
PenFed Credit Union1 Year IRA (Traditional, Roth, SEP)163 Reviews
0.60%
$1k-$150
U S Postal Service FCU1 Year IRA (Traditional, Roth, CESA)9 Reviews
0.60%
$250-$150
Langley FCU12 Month IRA (Traditional, Roth)6 Reviews
0.60%
$500-$150
Pen Air FCU12 Month IRA (Traditional, Roth, SEP, CESA)21 Reviews
0.60%
$500-$150
Fort Bragg FCU12 Month Jumbo IRA Term Share Certificate (Traditional, Roth, CESA)5 Reviews
0.60%
$25k-$150
Technology Credit Union12 - 17 Month IRA (Traditional, Roth)10 Reviews
0.60%
$1k-$149
TIAA Bank1 Year IRA (Traditional, Roth)27 Reviews
0.55%
$1k-$138
Affinity Plus FCU12 Month IRA (Traditional, Roth)17 Reviews
0.55%
$500-$138
Chevron FCU12 Month IRA (Traditional, Roth)5 Reviews
0.55%*
$500-$138
Discover Bank12 Month IRA (Traditional, Roth)230 Reviews
0.55%
$2.5k-$138
Spectrum Credit Union12 Month IRA (Traditional, Roth)2 Reviews
0.55%*
$500-$138
Ally Bank12 Month IRA High Yield CD (Traditional, Roth, SEP)769 Reviews
0.55%
--$138
Alliant Credit Union12-17 Month IRA (Traditional, Roth, SEP)61 Reviews
0.55%
$1k$25k$137
Western Vista FCU13 Month IRA CD Special (Traditional, Roth)1 Review
0.50%
$500-$136
Wings Financial Credit Union1 Year IRA (Traditional, Roth, CESA)38 Reviews
0.50%*
$10k-$125
Georgia Banking Company1 Year IRA Certificate (Traditional, Roth)13 Reviews
0.50%
$500-$125
AFFCU1 Year IRA Share Certificate (Traditional, Roth)2 Reviews
0.50%*
$1k-$125
UNIFY Financial Credit Union12 Month Fixed IRA (Traditional, Roth, CESA)11 Reviews
0.50%*
$1k-$125
Hanscom FCU12 Month IRA (Traditional, Roth)8 Reviews
0.50%
$500-$125
Kinecta FCU12 Month IRA (Traditional, Roth)8 Reviews
0.50%*
$1k-$125
Sun East FCU12 Month IRA (Traditional, Roth)8 Reviews
0.50%
$500-$125
Zeal Credit Union12 Month IRA (Traditional, Roth, CESA, SEP)9 Reviews
0.50%*
$25k-$125
TAB Bank12 Month IRA CD (Traditional, Roth, CESA)39 Reviews
0.50%
$1k-$125
Service Credit Union12 Month IRA Certificate (Traditional, Roth)25 Reviews
0.50%
$500-$125
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
0.50%*
$500-$125
MTC FCU12 Month IRA Plus (Traditional, Roth, CESA)
0.50%
$10k-$125

Displaying 1-40 of 148 Results


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.




* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.