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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.

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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:

157 Results

Nationwide Only
Connexus Credit Union12 Month IRA Certificate (Traditional, Roth)28 Reviews
2.50%
$5k-$627
Synchrony Bank14 Month IRA Special285 Reviews
2.35%
$2k-$689
Air Force FCU1 Year IRA (Traditional, Roth, CESA)
2.30%*
$1k-$575
First Internet Bank12 Month IRA (Traditional, Roth)15 Reviews
2.27%
$1k-$569
KS StateBank1 Year IRA - In Branch Only (Traditional, Roth)
2.27%
$500-$568
Capital One12 Month 360 IRA (Traditional, Roth)381 Reviews
2.25%
--$564
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)659 Reviews
2.25%*
$25k-$564
EverBank1 Year Yield Pledge IRA (Traditional, Roth)71 Reviews
2.25%
$5k-$562
Melrose Credit Union1 Year Share IRA Certificate (Traditional, Roth)20 Reviews
2.20%
$4k-$550
Discover Bank12 Month IRA (Traditional, Roth)196 Reviews
2.10%
$2,500-$526
Alliant Credit Union12 - 17 Month Jumbo CESA43 Reviews
2.10%
$25k-$522
2.07%
$1k-$518
INOVA FCU14 Month IRA (Traditional, Roth, CESA)29 Reviews
2.05%
$200-$601
Lake Michigan Credit Union12 Month VIP IRA CD Special62 Reviews
2.02%
$500-$506
2.02%
$2k-$505
Spectrum Credit Union12 Month IRA (Traditional, Roth, CESA)
2.00%*
$500-$501
American Bank12 Month Promo IRA (New Money) (Traditional, Roth, CESA)3 Reviews
2.00%
$250-$501
Service Credit Union1 Year IRA Certificate (Traditional, Roth, CESA)20 Reviews
2.00%
$1k-$500
Quorum FCU11 Month Term Savings IRA (Traditional, Roth)8 Reviews
2.00%
$1k-$459
Nationwide Bank12 Month IRA (Traditional, Roth, CESA, SEP)173 Reviews
1.86%*
--$466
Financial Resources FCU14 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.85%
$500-$542
Bethpage FCU12 Month IRA (Traditional, Roth)8 Reviews
1.85%
$50-$464
BBVA Compass12 Month IRA - Online (Traditional, Roth, CESA)55 Reviews
1.85%
$500-$464
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.85%
$500-$464
American Heritage FCU12 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
1.81%
$1k-$454
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)3 Reviews
1.80%
$1k-$527
Interior FCU12 Month IRA Certificate (Traditional, Roth, CESA)
1.76%*
$500-$441
Bellco Credit Union12 Months IRA (Traditional, Roth, CESA)12 Reviews
1.75%
$500-$439
McGraw Hill FCU12 Month Promo IRA (New Money) (Traditional, Roth, CESA)
1.75%
$1k$1m$439
Michigan State University FCU1 Year Add-On IRA (Traditional, Roth, CESA, SEP)7 Reviews
1.75%
$50-$438
1.75%
$1k-$438
Freedom Credit Union (PA)12 Month IRA CD (Traditional, CESA, Roth)3 Reviews
1.70%
$500-$426
Marine FCU12 Month IRA (Traditional, Roth, CESA, SEP)4 Reviews
1.66%
$500-$416
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.65%
$1k-$414
5Star Bank1 Year IRA (Traditional, Roth)1 Review
1.65%
$1k-$412
Market USA FCU12 Month IRA (Traditional, Roth, CESA)2 Reviews
1.62%
$500-$406
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)4 Reviews
1.62%*
$20k$100k$403
Apple FCU12 Month IRA (Traditional, Roth, CESA)22 Reviews
1.60%
$500-$401
U S Postal Service FCU12 Month IRA (Traditional, Roth, CESA)5 Reviews
1.60%
$250-$401
Self-Help Credit Union12 Month IRA (Traditional, Roth)9 Reviews
1.56%
$500-$391

Displaying 1-40 of 157 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 feedback@depositaccounts.com 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.