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.

ALERT: Due to the recent, emergency interest rate cuts by the Fed, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. Read more here.
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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:

Nationwide Only
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Pen Air FCU12 Month IRA (Traditional, Roth, SEP, CESA)14 Reviews
1.70%
$500-$425
1.65%
--$412
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)2 Reviews
1.61%
$500-$402
TIAA Bank1 Year Yield Pledge IRA (Traditional, Roth)23 Reviews
1.50%
$5k-$375
Capital One12 Month 360 IRA (Traditional, Roth)420 Reviews
1.50%
--$375
Synchrony Bank12 Month IRA CD (Traditional, Roth)326 Reviews
1.50%
$2k-$375
Ally BankIRA High Yield 12 Month CD (Traditional, Roth, SEP)715 Reviews
1.50%*
--$375
Financial Partners Credit Union12 to 23 Month IRA (Traditional, Roth)7 Reviews
1.50%
$1k-$373
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)3 Reviews
1.40%
$2k-$350
Kinecta FCU12 Month IRA (Traditional, Roth)6 Reviews
1.40%*
$1k-$350
Alliant Credit Union12 - 17 Month Jumbo Roth IRA50 Reviews
1.40%
$25k-$348
Lake Michigan Credit Union12 Month IRA CD Special (Traditional, Roth, CESA, SEP)63 Reviews
1.35%
$500-$338
Matadors Community Credit Union12 Month IRA (Traditional, Roth)1 Review
1.30%
$10k-$325
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)7 Reviews
1.30%*
$500-$325
Wings Financial Credit Union1 Year Dividend Paid Quarterly IRA (Traditional, Roth, CESA)35 Reviews
1.26%*
$10k$100k$315
American 1 Credit Union1 Year IRA (Traditional, Roth, CESA)1 Review
1.26%
$50-$315
Partner Colorado Credit Union12 Month Baby Jumbo IRA (Traditional, Roth, CESA, SEP)3 Reviews
1.25%
$25k-$312
1.25%
$500-$312
TruStone Financial Credit Union12 Month IRA (Traditional, Roth)9 Reviews
1.25%
$500-$312
Veridian Credit Union12 Month IRA Special (Traditional, Roth, CESA)22 Reviews
1.25%
$1k-$312
Technology Credit Union12 - 17 Month IRA (Traditional, Roth)9 Reviews
1.25%
$1k-$311
Hughes FCU12 Month IRA (Traditional, Roth, SEP)8 Reviews
1.21%
$1k-$302
Marine FCU12 Month IRA (Traditional, Roth, CESA, SEP)4 Reviews
1.21%
$500-$302
Digital FCU (DCU)12 - 23 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)40 Reviews
1.21%
$500-$301
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)5 Reviews
1.20%
$1k-$351
1.20%
$1k-$300
Garden Savings FCU12 Month IRA Share Certificate (Traditional, Roth, CESA)3 Reviews
1.11%
$500-$278
KS StateBank1 Year IRA - In Branch Only (Traditional, Roth)5 Reviews
1.10%
$500-$275
Bethpage FCU12 Month IRA (Traditional, Roth)9 Reviews
1.10%
$50-$275
Hyperion Bank12 Month IRA (Traditional, Roth)
1.10%
$500-$275
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.10%
$1k-$275
State Department FCU12 Month IRA Certificate (Traditional, Roth)9 Reviews
1.10%
$500-$275
Superior Choice Credit Union1 Year IRA (Traditional, Roth)9 Reviews
1.05%*
$25k-$262
Financial Resources FCU14 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.01%
$500-$296
1.00%
$1k-$250
Parda FCU1 Year Traditional IRA (Traditional, Roth)1 Review
1.00%
$500-$250
1.00%
$500-$250
United Educators Credit Union12 Month FlexRate IRA (Traditional, Roth, CESA, SEP)
1.00%
$500-$250
Hanscom FCU12 Month IRA (Traditional, Roth)6 Reviews
1.00%
$500-$250

Displaying 1-40 of 116 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.