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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

87 Results

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Nationwide Only
Synchrony Bank14 Month IRA CD (Traditional, Roth)365 Reviews
2.60%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$762
Connexus Credit Union12 Month IRA (Traditional, Roth)57 Reviews
2.51%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$627
Alliant Credit Union12-17 Month IRA (Traditional, Roth, SEP)68 Reviews
2.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$622
Interior FCU12 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.44%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$610
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)15 Reviews
2.37%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$593
State Department FCU12 Month IRA Certificate (Traditional, Roth)12 Reviews
2.37%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$593
TAB Bank12 Month IRA CD (Traditional, Roth, CESA)42 Reviews
2.35%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$588
TIAA Bank1 Year IRA (Traditional, Roth)28 Reviews
2.30%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$575
Spectrum Credit Union12 Month IRA (Traditional, Roth)2 Reviews
2.30%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$575
Ally Bank12 Month IRA High Yield CD (Traditional, Roth, SEP)805 Reviews
2.30%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$575
PenFed Credit Union1 Year IRA (Traditional, Roth, SEP)188 Reviews
2.25%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$562
Orion FCU12 Month IRA (Traditional, CESA, Roth)32 Reviews
2.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$562
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.25%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$562
Consumers Credit Union (IL)11 Month IRA Special (Traditional, Roth, CESA, SEP)100 Reviews
2.25%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$516
Workers Credit Union12 Month IRA (Traditional, Roth)8 Reviews
2.02%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$505
Kinecta FCU13 Month Promotional IRA (Traditional, Roth)8 Reviews
2.00%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$543
Discover Bank12 Month IRA (Traditional, Roth)254 Reviews
2.00%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$500
Chartway FCU12-17 Month IRA (Traditional, Roth)33 Reviews
1.90%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$472
Credit Human12-17 Month IRA (Traditional, Roth, CESA)7 Reviews
1.90%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$472
AFFCU18 Month IRA Certificate (Traditional, Roth)2 Reviews
1.80%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$450
Technology Credit Union12 - 17 Month IRA (Traditional, Roth)11 Reviews
1.80%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$448
1.75%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$438
Teachers FCU12 Month IRA (Traditional, Roth)9 Reviews
1.65%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$412
American 1 Credit Union1 Year IRA (Traditional, Roth, CESA)3 Reviews
1.51%
MIN TO
EARN
MIN TO EARN:$50

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$378
Flagstar Bank13 Month IRA Special (Traditional, Roth, CESA)70 Reviews
1.50%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$407
NASA FCU12 Month IRA Certificate (Traditional, Roth)51 Reviews
1.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$375
Marine FCU12 Month IRA (Traditional, Roth, CESA, SEP)6 Reviews
1.41%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$352
U S Postal Service FCU1 Year IRA (Traditional, Roth, CESA)9 Reviews
1.25%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$312
First Technology FCU12 Month IRA (Traditional, Roth, CESA)31 Reviews
1.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$312
Amerant12 Month Promotional Online IRA - New Money 5 Reviews
1.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:$250k
EST.
EARN 🛈
EST. EARN:$312
Presidential Bank (MD)1 Year IRA (Traditional, Roth, SEP, SIMPLE)8 Reviews
1.15%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$288
Credit Union Of The Rockies12 Month IRA (Traditional, Roth)
1.15%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$288
Bellco Credit Union12 Month IRA (Traditional, Roth, CESA)16 Reviews
1.15%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$288
Wings Financial Credit Union1 Year IRA (Traditional, Roth, CESA)38 Reviews
1.10%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$275
Hiway Credit Union12 – 23 Month IRA (Traditional, Roth, CESA)9 Reviews
1.10%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$273
Great Lakes Credit Union1 Year IRA Certificate (Traditional, Roth)11 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
1.00%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Self-Help Credit Union12 Month IRA (Traditional, Roth)9 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Achieva Credit Union12 Month IRA/457B (Traditional, Roth, CESA)19 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Salem Five12 Month IRA Special (Traditional, Roth, CESA, SEP)10 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250

Displaying 1-40 of 87 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.