6+ Year IRA Rates

Compare 6+ year fixed IRA rates available in nationwide. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 60 month IRA rates available in [state]. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.

Location
Deposit Amount
Filters
Institution
APY
Service Charge
Min. to Earn
Min. Deposit
KS StateBank
Member FDIC
7 Year IRA - In Branch Only
4.8 Our Rating
4.20%
$500
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7 Year IRA - In Branch Only
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4.8 Our Rating Member FDIC
APY
4.20%
Service Charge
Minimum to Earn $500
Minimum Deposit
Equitable Savings and Loan Association
Member FDIC
120 Month IRA
3.6 Our Rating
4.07%
$2k
View
3.6 Our Rating Member FDIC
APY
4.07%
Service Charge
Minimum to Earn $2k
Minimum Deposit
Appalachian Community Federal Credit Union
NCUA Insured
72 Month IRA Certificate
4.1 Our Rating
4.05%
$1k
View
View
4.1 Our Rating NCUA Insured
APY
4.05%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Spring Bank
Member FDIC
7 Year IRA
4.1 Our Rating
4.05%
$25k
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7 Year IRA
View
4.1 Our Rating Member FDIC
APY
4.05%
Service Charge
Minimum to Earn $25k
Minimum Deposit
Prairie Bank of Kansas
Member FDIC
10 Year IRA
4.1 Our Rating
4.04%
$1k
View
View
4.1 Our Rating Member FDIC
APY
4.04%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Credit Human
NCUA Insured
60-83 Month IRA
4.8 Our Rating
4.01%
$500
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60-83 Month IRA
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4.8 Our Rating NCUA Insured
APY
4.01%
Service Charge
Minimum to Earn $500
Minimum Deposit
Citadel
NCUA Insured
84 Month IRA
4.8 Our Rating
4.00%
$500
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84 Month IRA
View
4.8 Our Rating NCUA Insured
APY
4.00%
Service Charge
Minimum to Earn $500
Minimum Deposit
Eastman Credit Union
NCUA Insured
6 Year IRA Investment Certificate
4.1 Our Rating
4.00%
$1k
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6 Year IRA Investment Certificate
View
4.1 Our Rating NCUA Insured
APY
4.00%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Liberty Savings Federal Credit Union
NCUA Insured
66 Month IRA
4.8 Our Rating
4.00%
$5k
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4.8 Our Rating NCUA Insured
APY
4.00%
Service Charge
Minimum to Earn $5k
Minimum Deposit
North Shore Bank, FSB
Member FDIC
10 Year IRA Special
4.1 Our Rating
4.00%
$1k
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10 Year IRA Special
View
4.1 Our Rating Member FDIC
APY
4.00%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Wright-Patt Credit Union
NCUA Insured
60 - 71 Month IRA
4.8 Our Rating
3.97%
$500
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60 - 71 Month IRA
View
4.8 Our Rating NCUA Insured
APY
3.97%
Service Charge
Minimum to Earn $500
Minimum Deposit
Security Service Federal Credit Union
NCUA Insured
7 Year IRA
4.8 Our Rating
3.95%
$25k
View
4.8 Our Rating NCUA Insured
APY
3.95%
Service Charge
Minimum to Earn $25k
Minimum Deposit
Rogue Credit Union
NCUA Insured
72 Month IRA
4.5 Our Rating
3.90%
$500
View
72 Month IRA
View
4.5 Our Rating NCUA Insured
APY
3.90%
Service Charge
Minimum to Earn $500
Minimum Deposit
Big Horn Federal Savings Bank
Member FDIC
6 Year IRA
4.5 Our Rating
3.80%
$500
View
4.5 Our Rating Member FDIC
APY
3.80%
Service Charge
Minimum to Earn $500
Minimum Deposit
Liberty Federal Credit Union
NCUA Insured
6 Year Fixed IRA
3.8 Our Rating
3.80%
$1k
View
6 Year Fixed IRA
View
3.8 Our Rating NCUA Insured
APY
3.80%
Service Charge
Minimum to Earn $1k
Minimum Deposit
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6+ Year IRA CD

Types of 6+ Year IRA CDs available in the rate table on DepositAccounts include a Roth IRA 7 Year CD, a Traditional IRA 7 Year CD, a 120 Month IRA Certificate, and a 10 Year IRA to name a few. SEP IRAs and CESA IRAs are also available with several offerings. IRA Certificates of Deposit are time deposits with tax implications and benefits, purchased by consumers from a financial institution. IRA CDs can only be funded up to the amount allowed by the IRS, which varies from year to year. Roth IRA rules differ from Traditional IRA rules in a few ways, including how contributions and distributions are handled for tax purposes.

Some investors use a broker to fund multiple 6+ Year IRA CDs, as they typically come with the top CD rates. However, contributions in total (regardless of the number of accounts) count towards the maximum permitted by the IRS. The bank or credit union issuing the IRA CD has the prerogative to designate the CD in the account agreement as “callable” or “non-callable.” A callable CD is usually a better deal for the financial institution, as it allows them to close, or call, your CD if interest rates are declining to prevent you from keeping a higher interest rate.

CD laddering is also an effective way to hedge long term IRA CDs against inflation risk or other factors. IRA withdrawal rules and taxes apply are applied to an IRA CD based on its type and can cripple any gains achieved. Planning appropriately as to when you will need the funds you are committing is necessary to avoid having to take them out early (unless of course you will benefit from removing them to take advantage of rising interest rates). There is a CD calculator on DepositAccounts to help you manage early withdrawals if they become necessary or desirable.