Featured 1-Year CD Rates
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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.

Deposit Amount
$1 $100,000
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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:

149 Results

Nationwide Only
Melrose Credit Union1 Year Share IRA Certificate (Traditional, Roth, CESA)18 Reviews
EverBank1 Year Yield Pledge IRA (Traditional, Roth)21 Reviews
Xcel FCU12 Month CESA6 Reviews
Synchrony Bank12 Month IRA CD (Traditional, Roth)130 Reviews
CIT Bank1 Year Term IRA CD (Traditional, Roth)107 Reviews
First Internet Bank of IN12 Month IRA (Traditional, Roth, CESA)6 Reviews
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)13 Reviews
Kinecta FCU13 Month Special IRA (Traditional, Roth)3 Reviews
Alliant Credit Union12 - 17 Month Jumbo Roth IRA36 Reviews
Discover Bank12 Month IRA (Traditional, Roth)96 Reviews
Premier America Credit Union12 Month IRA (Traditional, Roth, CESA)6 Reviews
Blue FCU12 Month IRA - Sapphire (Traditional, Roth)6 Reviews
GTE Financial12 Month Add-on IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
Navy FCU12 Month IRA (Traditional, Roth, SEP)115 Reviews
State Department FCU12 Month IRA Certificate (Traditional, Roth)4 Reviews
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)1 Review
Community Trust Prospera12 Month IRA (Traditional, Roth)
Self-Help FCU12 Month IRA
Lake Michigan Credit Union13 Month VIP IRA CD Special54 Reviews
Mid-Illini Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)360 Reviews
Chevron FCU1 Year IRA (Traditional, Roth)3 Reviews
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)2 Reviews
Quorum FCU13 Month IRA Term Savings (Traditional, Roth)4 Reviews
Salem Five13 Month IRA Special7 Reviews
Ohio University Credit Union12 Month Easy Save IRA Certificate (Traditional, Roth, CESA)
Credit Union of America12 Month IRA Certificate (Traditional, CESA, Roth)
5Star Bank1 Year IRA Special2 Reviews
Northpointe Bank12 - 17 Month Fixed IRA8 Reviews
Chartway FCU12-17 Month IRA (Traditional, Roth, CESA)20 Reviews
Pinnacle FCU12 Month IRA (Traditional, Roth, CESA)4 Reviews
Campus Federal12 Month IRA (Traditional, Roth)1 Review
Hughes FCU12 Month IRA (Traditional, Roth, SEP)
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)22 Reviews

Displaying 1-40 of 149 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 institutions 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.