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:

119 Results

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119 Results

Nationwide Only
Lafayette FCU1 Year Fixed CESA IRA36 Reviews
5.56%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,390
BluPeak Credit Union12 Month IRA (Traditional, Roth, SEP)8 Reviews
5.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,375
Alliant Credit Union12 Month IRA (Traditional, Roth, SEP)83 Reviews
5.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,350
USALLIANCE Financial12 Month IRA Certificate Special (Traditional, Roth, CESA)75 Reviews
5.40%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,350
First Flight FCU12 Month IRA Certificate (Traditional, Roth, CESA)1 Review
5.38%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,345
Pen Air Credit Union12 Month IRA (Traditional, Roth, SEP, CESA)30 Reviews
5.36%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,340
Elements Financial13 Month IRA Special (Traditional, Roth)18 Reviews
5.35%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,454
Home Savings Bank12 Month Internet Only IRA (Traditional, Roth)
5.30%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,325
Fort Liberty FCU12 Month Jumbo IRA Term Share Certificate (Traditional, Roth, CESA)5 Reviews
5.30%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,325
TAB Bank12 Month IRA CD (Traditional, Roth, CESA)44 Reviews
5.27%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,318
U S Postal Service FCU1 Year IRA (Traditional, Roth, CESA)9 Reviews
5.25%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,312
Credit Human6-11 Month IRA (Traditional, Roth, CESA)27 Reviews
5.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,202
Financial Partners Credit Union11 Month IRA Special - New Money (Traditional, Roth)14 Reviews
5.25%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,202
State Department FCU12 Month IRA Certificate (Traditional, Roth)13 Reviews
5.20%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,300
Communitywide FCU12 Month IRA (Traditional, Roth)12 Reviews
5.15%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,288
Pennsylvania State Employees Credit Union12 Month IRA (Traditional, Roth, CESA)30 Reviews
5.15%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,288
Service Credit Union12 Month IRA Certificate (Traditional, Roth)29 Reviews
5.15%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,288
GTE Financial12 Month IRA (Traditional, Roth)66 Reviews
5.12%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,280
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)69 Reviews
5.05%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,262
Department Of Commerce FCU12-23 Month Fixed IRA (Traditional, CESA, Roth)21 Reviews
5.02%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,248
Northrop Grumman FCU1 Year Term IRA (Traditional, Roth, CESA)6 Reviews
5.01%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,252
Grow Financial FCU12 - 17 Month IRA Certificate (Traditional, Roth)18 Reviews
5.01%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,245
American Heritage FCU13 Month IRA Certificate Special (Traditional, Roth, CESA)15 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,359
Consumers Credit Union (IL)13 Month IRA Special (Traditional, Roth, CESA, SEP)107 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,359
Summit Credit Union (WI)13 Month IRA Special - New Money (Traditional, Roth, CESA)11 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,359
Securityplus FCU1 Year IRA (Traditional, Roth)10 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Superior Choice Credit Union1 Year IRA (Traditional, Roth)15 Reviews
5.00%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)18 Reviews
5.00%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Pima FCU12 Month IRA (Traditional, Roth)2 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Signature FCU12 Month IRA Certificate (Traditional, Roth, CESA)10 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Tampa Bay FCU12 Month IRA Certificate (Traditional, Roth, CESA)8 Reviews
5.00%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
United FCU12 Month IRA Special (Traditional, Roth, CESA)8 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,250
Salem Five12 Month IRA Special 16 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:$500k
EST.
EARN 🛈
EST. EARN:$1,250
Bethpage FCU11 Month IRA (Traditional, Roth)11 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$50

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,145
Premier America Credit Union11 Month IRA Special - New Money (Traditional, Roth)12 Reviews
5.00%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,145
Wheelhouse Credit Union11 Month Promotional IRA Certificate - New Money (Traditional, Roth)1 Review
5.00%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,145
Technology Credit Union10 Month IRA Certificate (Traditional, Roth)11 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,040
Genisys Credit Union13 Month IRA Certificate Special (Traditional, Roth, CESA)22 Reviews
4.98%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,354
4.95%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,238
1st Source Bank11 Month IRA Special (Traditional, Roth, CESA)3 Reviews
4.95%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,134

Displaying 1-40 of 119 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.