Featured 1-Year CD Rates
Featured Accounts

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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Deposit Amount
$1 $100,000

128 Results


Nationwide Only
Garden Savings FCU12 Month IRA Share Certificate (Traditional, Roth, CESA)
1.41%
$500-$353
Synchrony Bank12 Month IRA CD (Traditional, Roth)96 Reviews
1.25%*
$2k-$313
CIT Bank1 Year Term IRA CD (Traditional, Roth)94 Reviews
1.22%
$1k-$305
EverBank1 Year Yield Pledge IRA (Traditional, Roth)20 Reviews
1.21%
$1,500-$302
1.20%
$2k-$300
Alliant Credit Union12 - 17 Month Jumbo Roth IRA33 Reviews
1.20%
$25k-$298
First Internet Bank of IN12 Month IRA (Traditional, Roth, CESA)5 Reviews
1.16%
--$291
Discover Bank12 Month IRA (Traditional, Roth)83 Reviews
1.15%
$2,500-$288
GTE Financial12 Month Add-on IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)11 Reviews
1.11%
$500-$278
Navy FCU12 Month IRA (Traditional, Roth, SEP)103 Reviews
1.10%*
$20k-$276
1.06%
$1k-$266
Self-Help Credit Union12 Months IRA (Traditional, Roth, CESA)6 Reviews
1.06%
$500-$266
Lake Michigan Credit Union13 Month VIP IRA CD Special54 Reviews
1.05%
$500-$285
Premier America Credit Union12 Month IRA (Traditional, Roth, CESA)6 Reviews
1.05%*
$25k-$263
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)300 Reviews
1.05%*
$25k-$263
Chevron FCU1 Year IRA (Traditional, Roth)3 Reviews
1.05%
$500-$262
Air Force FCU1 Year IRA (Traditional, Roth, CESA)1 Review
1.01%*
$1k-$252
Quorum FCU13 Month IRA Term Savings (Traditional, Roth)3 Reviews
1.00%
$1k-$271
Salem Five13 Month IRA Special7 Reviews
1.00%
$2k-$271
Kinecta FCU13 Month Special IRA (Traditional, Roth)3 Reviews
1.00%
--$271
5Star Bank1 Year IRA Special2 Reviews
1.00%
$1k$250k$250
Northpointe Bank12 - 17 Month Fixed IRA7 Reviews
1.00%
$5k-$249
Chartway FCU12-17 Month IRA (Traditional, Roth, CESA)19 Reviews
1.00%*
$25k-$249
Service Credit Union11 Month IRA Certificate Special (Traditional, Roth, CESA)13 Reviews
1.00%
$1k-$229
McGraw Hill FCU11 Month IRA Promo (Traditional, Roth, CESA)
1.00%
$1k-$229
Pinnacle FCU12 Month IRA (Traditional, Roth, CESA)4 Reviews
0.96%
$500-$241
Hughes FCU12 Month IRA (Traditional, Roth, SEP)
0.95%
$1k$50k$238
State Department FCU12 Month IRA Certificate (Traditional, Roth)4 Reviews
0.95%
$500-$238
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)16 Reviews
0.95%
$10k-$238
EH National Bank12 Month Traditional IRA (Traditional, Roth)
0.95%
$500-$238
0.95%
$1k-$238
0.95%
$1k-$238
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)12 Reviews
0.95%*
$1k-$238
0.91%
$10k-$228
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)
0.90%
$1k-$226
OneWest Bank N.A. (Pasadena, CA)13 Month IRA (Traditional, Roth, SEP)18 Reviews
0.85%
$1k-$231
UNIFY Financial Credit Union12 Month Fixed IRA (Traditional, Roth)3 Reviews
0.85%*
$1k-$213
American Bank12 Month IRA Promotion (Traditional, Roth, CESA)3 Reviews
0.85%
$500-$213
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)1 Review
0.83%
$2k-$208
0.80%
$2k-$201

Displaying 1-40 of 128 Results


1 Year IRA Rate Trend

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 rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial instututions listed here.

* The APY 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.