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:

Nationwide Only
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State Department FCU12 Month IRA Certificate (Traditional, Roth)9 Reviews
2.22%
$500-$555
GreenState Credit Union13 Month IRA Special (Traditional, Roth, SEP)30 Reviews
2.20%*
$100-$597
Communitywide FCU12 Month IRA (Traditional, Roth)4 Reviews
2.10%
$1k-$525
Bellco Credit Union12 Month IRA (Traditional, Roth, CESA)13 Reviews
2.10%
$500-$525
Veridian Credit Union12 Month IRA Special (Traditional, Roth, CESA)22 Reviews
2.10%
$1k-$525
Interior FCU12 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
2.07%
$500-$518
Pen Air FCU12 Month IRA (Traditional, Roth, SEP, CESA)13 Reviews
2.05%
$500-$512
Premier America Credit Union12 Month IRA (Traditional, Roth)12 Reviews
2.05%*
$1k-$512
TAB Bank12 Month IRA CD (Traditional, Roth, CESA)33 Reviews
2.05%
$1k-$512
People's Trust FCU12 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
2.04%*
$25k-$510
America's Credit Union 13 Month IRA (Traditional, Roth, CESA)20 Reviews
2.02%*
$1k-$548
Connexus Credit Union12 Month IRA Certificate (Traditional, Roth)43 Reviews
2.01%
$5k-$502
2.00%
$500-$543
Summit Credit Union (WI)13 Month IRA Special (Traditional, Roth, CESA)6 Reviews
2.00%
$500-$543
2.00%
$1k-$500
2.00%
$1k-$500
Xcel FCU12 Month IRA (Traditional, Roth)8 Reviews
2.00%
$500-$500
Synchrony Bank12 Month IRA CD (Traditional, Roth)326 Reviews
2.00%
$2k-$500
NASA FCU12 Month IRA Certificate (Traditional, Roth)43 Reviews
2.00%
$1k-$500
Service Credit Union12 Month IRA Certificate (Traditional, Roth)20 Reviews
2.00%
$1k-$500
Ally BankIRA High Yield 12 Month CD (Traditional, Roth, SEP)713 Reviews
2.00%*
--$500
Technology Credit Union12 - 17 Month IRA (Traditional, Roth)9 Reviews
2.00%
$1k-$497
Chartway FCU12-17 Month IRA (Traditional, Roth)28 Reviews
2.00%
--$497
Transportation FCU1 Year IRA (Traditional, Roth, CESA)5 Reviews
1.97%
$1k-$492
Digital FCU (DCU)12 - 23 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)40 Reviews
1.97%
$500-$490
Affinity FCU14 Month IRA Special (Traditional, Roth, CESA)9 Reviews
1.95%*
$2.5k-$571
Partner Colorado Credit Union12 Month Baby Jumbo IRA (Traditional, Roth, CESA, SEP)3 Reviews
1.95%
$25k-$488
Sun East FCU12 Month IRA (Traditional, Roth)7 Reviews
1.95%
$500-$488
Financial Resources FCU14 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.92%
$500-$562
Lafayette FCU1 Year Fixed IRA (Traditional, Roth, CESA)2 Reviews
1.91%
$500-$478
NuVision FCU1 Year IRA (Traditional, Roth, CESA, SEP)
1.90%*
$25k-$475
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)3 Reviews
1.90%
$2k-$475
Capital One12 Month 360 IRA (Traditional, Roth)419 Reviews
1.90%
--$475
Market USA FCU12 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
1.90%
$500-$475
Alliant Credit Union12 - 17 Month Jumbo Roth IRA50 Reviews
1.90%
$25k-$472
Advancial1 Year Junior Jumbo IRA (Traditional, Roth, CESA)9 Reviews
1.89%
$25k$50k$472
TIAA Bank1 Year Yield Pledge IRA (Traditional, Roth)22 Reviews
1.85%
$5k-$463
Kinecta FCU12 Month IRA (Traditional, Roth)6 Reviews
1.85%*
$1k-$463
Hiway FCU12 – 23 Month IRA (Traditional, Roth, CESA)6 Reviews
1.85%*
$25k-$460

Displaying 1-40 of 161 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.