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 rate changes by the Federal Reserve, 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. We appreciate your patience.
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100 Results

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Nationwide Only
Michigan State University FCU1 Year Add-On IRA (Traditional, Roth, CESA, SEP)8 Reviews
4.60%
MIN TO
EARN
MIN TO EARN:$50

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,150
Connexus Credit Union12 Month IRA (Traditional, Roth)58 Reviews
4.51%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,128
First National Bank of America12 Month IRA Special (Traditional, Roth)47 Reviews
4.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,100
Department Of Commerce FCU12-23 Month Fixed IRA (Traditional, CESA, Roth)17 Reviews
4.40%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,094
Genisys Credit Union13 Month IRA Certificate Special (Traditional, Roth, CESA)16 Reviews
4.32%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,174
PenFed Credit Union1 Year IRA (Traditional, Roth, SEP)191 Reviews
4.20%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,050
Synchrony Bank14 Month IRA CD (Traditional, Roth)368 Reviews
4.15%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,218
GTE Financial12 Month IRA (Traditional, Roth, CESA)56 Reviews
4.13%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,032
Liberty FCU14 Month Fixed IRA (Traditional, Roth, CESA)16 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,203
Capital Educators FCU12 Month Promotional SEP IRA Certificate5 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,025
Flagstar Bank13 Month IRA Special (Traditional, Roth, CESA)70 Reviews
4.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,087
TIAA Bank1 Year IRA (Traditional, Roth)28 Reviews
4.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,000
Discover12 Month IRA (Traditional, Roth)263 Reviews
4.00%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,000
4.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,000
Ally Bank12 Month IRA High Yield CD (Traditional, Roth, SEP)833 Reviews
4.00%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,000
Lake Michigan Credit Union12 Month IRA CD Special (Traditional, Roth, CESA, SEP)70 Reviews
3.90%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$975
First Technology FCU13 Month Bump Up IRA (Traditional, Roth, CESA)31 Reviews
3.85%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,046
Seattle Bank12 Month IRA (Traditional, Roth)2 Reviews
3.82%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$955
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)20 Reviews
3.80%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$950
Alliant Credit Union12 Month IRA (Traditional, Roth, SEP)73 Reviews
3.75%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$938
Chevron FCU12 Month IRA (Traditional, Roth)5 Reviews
3.75%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$938
Spectrum Credit Union12 Month IRA (Traditional, Roth)2 Reviews
3.75%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$938
USALLIANCE Financial12 Month IRA Certificate (Traditional, Roth, CESA)68 Reviews
3.75%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$938
Pelican State Credit Union12 Month IRA (Traditional, Roth, CESA)27 Reviews
3.57%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$892
Presidential Bank (MD)1 Year IRA (Traditional, Roth, SEP, SIMPLE)10 Reviews
3.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$875
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
3.50%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$875
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)5 Reviews
3.45%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$863
Summit Credit Union (WI)13 Month IRA Special - New Money (Traditional, Roth, CESA)8 Reviews
3.40%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$924
Veridian Credit Union12 Month IRA Special (Traditional, Roth, CESA)24 Reviews
3.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$850
United States Senate FCU12-23 Month IRA (Traditional, Roth, SEP)11 Reviews
3.30%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$820
Affinity FCU14 Month IRA Special (Traditional, Roth, CESA)14 Reviews
3.25%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$953
Wells Fargo Bank13 Month IRA Special (Traditional, Roth, SEP)360 Reviews
3.25%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$883
Hanscom FCU12 Month IRA (Traditional, Roth)9 Reviews
3.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$812
Pennsylvania State Employees Credit Union12 Month IRA (Traditional, Roth, CESA)28 Reviews
3.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$812
Bank of America13 Month IRA Special (Traditional, Roth, CESA)369 Reviews
3.20%*
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$869
American Heritage FCU13 Month IRA Certificate (Traditional, Roth, CESA)12 Reviews
3.10%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$842
Marine FCU12 Month IRA (Traditional, Roth, CESA, SEP)6 Reviews
3.09%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$772
Mountain America Credit Union12 Month IRA (Traditional, Roth)37 Reviews
3.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$750
Utah First FCU12 Month IRA (Traditional, Roth, CESA)5 Reviews
3.00%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$750
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)7 Reviews
3.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$750

Displaying 1-40 of 100 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.