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:

150 Results

Nationwide Only
INOVA FCU14 Month IRA (Traditional, Roth, CESA)28 Reviews
EverBank1 Year Yield Pledge IRA (Traditional, Roth)39 Reviews
First Internet Bank of IN12 Month IRA (Traditional, Roth)12 Reviews
Capital Educators FCU12 Month Promotional IRA Certificate (Traditional, Roth, CESA, SEP)3 Reviews
KS StateBank1 Year IRA - In Branch Only (Traditional, Roth)
Synchrony Bank12 Month IRA CD (Traditional, Roth)218 Reviews
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)569 Reviews
Melrose Credit Union1 Year Share IRA Certificate (Traditional, Roth)20 Reviews
Home Savings Bank12 Month Internet Only IRA Special (Traditional, Roth)
Air Force FCU1 Year IRA (Traditional, Roth, CESA)
Interior FCU12 Month IRA Certificate (Traditional, Roth, CESA)
Evansville Teachers FCU14 Month IRA (Traditional, Roth, CESA)2 Reviews
Discover Bank12 Month IRA (Traditional, Roth)133 Reviews
Xcel FCU12 Month IRA (New Money Only) (Traditional, Roth, CESA)8 Reviews
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
Northpointe Bank12 Month IRA Special19 Reviews
Alliant Credit Union12 - 17 Month Jumbo CESA40 Reviews
State Department FCU12 Month IRA Certificate (Traditional, Roth)6 Reviews
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
Nationwide Bank12 Month IRA (Traditional, Roth, CESA, SEP)126 Reviews
Apple FCU12 Month IRA (Traditional, Roth, CESA)21 Reviews
Quorum FCU11 Month Term Savings IRA (Traditional, Roth)6 Reviews
MutualOne Bank13 Month IRA (Traditional, Roth)1 Review
Self-Help Credit Union12 Month IRA (Traditional, Roth)9 Reviews
Self-Help FCU12 Month IRA (Traditional, Roth)2 Reviews
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
Grow Financial FCU12 - 17 Month IRA Certificate13 Reviews
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)4 Reviews
GTE Financial12 Month Add-on IRA Certificate (Traditional, CESA, Roth, SEP)20 Reviews
Chartway FCU12-17 Month IRA (Traditional, Roth, CESA)25 Reviews
Mountain America Credit Union12 Month IRA (Traditional, Roth)21 Reviews
Michigan State University FCU1 Year Add-On IRA (Traditional, Roth, CESA, SEP)7 Reviews
Utah First FCU12 Month IRA (Traditional, Roth, CESA)
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)3 Reviews
Blue FCU12 Month IRA - Sapphire (Traditional, Roth)9 Reviews
Bellco Credit Union12 Months IRA (Traditional, Roth, CESA)11 Reviews

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.