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
U S Postal Service FCU1 Year IRA (Traditional, Roth, CESA)8 Reviews
1.10%
$250-$275
State Department FCU12 Month IRA Certificate (Traditional, Roth)10 Reviews
1.05%
$500-$262
Financial Resources FCU14 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.01%
$500-$296
Communitywide FCU12 Month IRA (Traditional, Roth)5 Reviews
1.00%
$1k-$250
Pen Air FCU12 Month IRA (Traditional, Roth, SEP, CESA)20 Reviews
1.00%
$500-$250
Andigo20 Month IRA Special (Traditional, Roth, CESA)4 Reviews
1.00%
$250-$250
0.95%
--$238
Quorum FCU12 Month IRA Term Savings (Traditional, Roth)9 Reviews
0.95%
$1k-$238
Veridian Credit Union12 Month IRA Special (Traditional, Roth, CESA)23 Reviews
0.95%
$1k-$238
Hiway FCU12 – 23 Month IRA (Traditional, Roth, CESA)7 Reviews
0.95%*
$25k-$236
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)6 Reviews
0.90%
$1k-$263
Technology Credit Union12 - 17 Month IRA (Traditional, Roth)9 Reviews
0.90%
$1k-$224
0.85%
$500-$249
GreenState Credit Union13 Month IRA Special (Traditional, Roth, SEP)32 Reviews
0.85%
$100-$231
Spectrum Credit Union12 Month IRA (Traditional, Roth)2 Reviews
0.85%*
$500-$213
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)4 Reviews
0.84%
$2k-$210
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)4 Reviews
0.80%
$500-$200
Superior Choice Credit Union1 Year IRA (Traditional, Roth)9 Reviews
0.80%*
$25k-$200
Langley FCU12 Month IRA (Traditional, Roth)3 Reviews
0.80%
$500-$200
Matadors Community Credit Union12 Month IRA (Traditional, Roth)1 Review
0.80%
$1k-$200
Affinity FCU14 Month IRA Special (Traditional, Roth, CESA)10 Reviews
0.75%*
$2.5k-$219
Wings Financial Credit Union1 Year Dividend Paid Quarterly IRA (Traditional, Roth, CESA)36 Reviews
0.75%*
$10k$100k$188
AFFCU1 Year IRA Share Certificate (Traditional, Roth)1 Review
0.75%*
$1k-$188
Affinity Plus FCU12 Month IRA (Traditional, Roth)13 Reviews
0.75%
$500-$188
0.75%
$1k-$188
Zeal Credit Union12 Month IRA (Traditional, Roth, CESA, SEP)9 Reviews
0.75%*
$25k-$188
Bellco Credit Union12 Month IRA (Traditional, Roth, CESA)13 Reviews
0.75%
$500-$188
Service Credit Union12 Month IRA Certificate (Traditional, Roth)21 Reviews
0.75%
$500-$188
Ally BankIRA High Yield 12 Month CD (Traditional, Roth, SEP)725 Reviews
0.75%*
--$188
Financial Partners Credit Union12 to 23 Month IRA (Traditional, Roth)8 Reviews
0.75%
$1k-$186
Hyperion Bank12 Month IRA (Traditional, Roth)
0.70%
$500-$175
American Heritage FCU13 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
0.65%
$1k-$176
0.65%
$500-$163
Partner Colorado Credit Union12 Month Baby Jumbo IRA (Traditional, Roth, CESA, SEP)3 Reviews
0.65%
$25k-$163
United Educators Credit Union12 Month FlexRate IRA (Traditional, Roth, CESA, SEP)
0.65%
$500-$163
Self-Help Credit Union12 Month IRA (Traditional, Roth)9 Reviews
0.65%
$500-$163
Self-Help FCU12 Month IRA (Traditional, Roth)2 Reviews
0.65%
$500-$163
First Flight FCU12 Month IRA Certificate1 Review
0.65%*
$10k-$163
MTC FCU12 Month IRA Plus (Traditional, Roth, CESA)
0.65%
$10k-$163
One American Bank11 Month IRA Special (Traditional, Roth)7 Reviews
0.65%
$5k-$149

Displaying 1-40 of 164 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.