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
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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:

150 Results

Nationwide Only
EverBank1 Year Yield Pledge IRA (Traditional, Roth)27 Reviews
1.60%
$5k-$400
KS StateBank1 Year IRA - In Branch Only (Traditional, Roth)
1.55%
$500$100k$388
First Internet Bank of IN12 Month IRA (Traditional, Roth, CESA)9 Reviews
1.52%
$1k-$381
Xcel FCU12 Month IRA (Traditional, Roth, CESA)8 Reviews
1.50%
$500-$376
Northpointe Bank12 Month IRA Special11 Reviews
1.50%
$500-$376
Service Credit Union11 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
1.50%
$1k-$344
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
1.45%
$10k-$364
Nationwide Bank12 Month IRA (Traditional, Roth, CESA, SEP)89 Reviews
1.41%*
--$353
Melrose Credit Union1 Year Share IRA Certificate (Traditional, Roth)20 Reviews
1.41%
$4k-$352
Synchrony Bank12 Month IRA CD (Traditional, Roth)176 Reviews
1.40%*
$2k-$351
1.40%
$1k-$351
Alliant Credit Union12 - 17 Month Jumbo CESA36 Reviews
1.40%
$25k-$348
1.35%
$1k-$366
Discover Bank12 Month IRA (Traditional, Roth)121 Reviews
1.35%
$2,500-$338
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)501 Reviews
1.35%*
--$338
Home Savings Bank12 Month Internet Only IRA Special
1.35%
$5k$250k$338
Quorum FCU11 Month Term Savings IRA (Traditional, Roth)6 Reviews
1.35%
$1k-$310
MutualOne Bank13 Month IRA (Traditional, Roth)1 Review
1.31%
$500-$356
State Department FCU12 Month IRA Certificate (Traditional, Roth)5 Reviews
1.31%
$500-$328
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
1.31%*
$1k-$328
1.30%
$25k-$326
Evansville Teachers FCU1 Year IRA (Traditional, Roth, CESA)1 Review
1.30%
$1k-$325
GTE Financial12 Month Add-on IRA Certificate (Traditional, CESA, Roth, SEP)13 Reviews
1.26%
$500-$316
1.26%
$1k-$315
Chartway FCU12-17 Month IRA (Traditional, Roth, CESA)22 Reviews
1.26%*
$25k-$313
Lake Michigan Credit Union14 Month VIP IRA CD Special55 Reviews
1.25%
$500-$366
Mountain America Credit Union12 Month IRA (Traditional, Roth)17 Reviews
1.25%
$500-$313
Chevron FCU1 Year IRA (Traditional, Roth)5 Reviews
1.25%
$500-$312
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)
1.20%
$1k-$301
Blue FCU12 Month IRA - Sapphire (Traditional, Roth)8 Reviews
1.15%
$2k-$288
1.15%
$2k-$288
Bellco Credit Union12 Months IRA (Traditional, Roth, CESA)10 Reviews
1.15%
$500-$288
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)3 Reviews
1.12%*
$20k$100k$278
Premier America Credit Union12 Month IRA (Traditional, Roth, CESA)6 Reviews
1.10%*
$25k-$276
Michigan State University FCU1 Year Add-On IRA (Traditional, Roth, CESA, SEP)6 Reviews
1.10%
$50-$275
Self-Help FCU12 Month IRA
1.06%
$100-$266
Self-Help Credit Union12 Months IRA (Traditional, Roth)7 Reviews
1.06%
$500-$266
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)2 Reviews
1.03%
$2k-$258
American Bank12 Month CESA Promotion3 Reviews
1.01%
$500-$253
Salem Five13 Month IRA Special7 Reviews
1.00%
$2k-$271

Displaying 1-40 of 150 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 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.