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6+ Year IRA Rates

Compare rates on 6+ year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 6-year+ IRA CDs and how they can be a beneficial tool in your retirement strategy.

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Deposit Amount
$1 $100,000
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26 Results


Nationwide Only
Elements Financial10 Year IRA (Traditional, Roth, CESA)2 Reviews
2.25%
$1k-$6,230
Discover Bank10 Year IRA (Traditional, Roth)90 Reviews
2.20%
$2,500-$6,078
Evansville Teachers FCU6 Year IRA (Traditional, Roth, CESA)1 Review
2.12%
$1k-$3,353
KEMBA Financial Credit Union84 Month KEMBA Advantage IRA Certificate (Traditional, Roth, CESA)6 Reviews
2.10%
$250-$3,926
Northrop Grumman FCU7 Year Term IRA (Traditional, Roth, CESA)1 Review
2.06%
$2k-$3,836
Navy FCU7 Year IRA (Traditional, Roth, SEP)109 Reviews
2.00%*
$20k-$3,717
Third Federal Savings and Loan (OH)72 Month IRA (Traditional, Roth, SEP)2 Reviews
2.00%
$100-$3,163
INOVA FCU6 Year IRA (Traditional, Roth, CESA)27 Reviews
1.90%
$200-$2,989
First Security Bank & Trust84 Month IRA (Traditional, Roth, SEP)6 Reviews
1.89%
$5k-$3,504
1.85%*
$2,500-$3,423
Signal Financial FCU72 Month IRA Share Certificate (Traditional, Roth)
1.81%
$2k-$2,849
Chartway FCU60-71 Month IRA (Traditional, Roth, CESA)20 Reviews
1.81%*
$25k-$2,807
SunTrust Bank66 Month Banker Special Promotional IRA (Traditional, Roth, SEP, SIMPLE)57 Reviews
1.50%
$2k-$2,139
1.46%
$1k-$2,670
Principal Bank72 Month IRA (Traditional, Roth)
1.36%*
$2,500-$2,117
USAA Bank7 Year IRA - Standard (Traditional, Roth, SEP, SIMPLE)127 Reviews
1.06%
$250$95k$1,915
North American Savings Bank60 - 120 Month IRA (Traditional, Roth, CESA)3 Reviews
1.00%
$1k-$2,623
LegacyTexas Bank (TX)120 Month IRA (Traditional, Roth, SEP)47 Reviews
0.85%
$1k-$2,214
KeyBank10 Year Tiered IRA (Traditional, Roth)31 Reviews
0.75%*
$25k$100k$1,940
Bank of Blue Valley60 - 71 Months IRA (Traditional, Roth, CESA, SEP)4 Reviews
0.75%
$500-$1,133
Chase Bank120 Month IRA Special - Standard (Traditional, Roth, SEP)166 Reviews
0.70%
$1k-$1,811
Regions Bank60 - 72 Month IRA (Traditional, Roth, CESA)56 Reviews
0.60%
$250-$916
Union Bank (San Francisco, CA)60 - 120 Month IRA Time Deposit (Traditional, Roth, CESA)21 Reviews
0.50%*
$350-$1,282
Comerica Bank7 - 10 Year IRA (Traditional, Roth, CESA, SEP, SIMPLE)13 Reviews
0.40%*
--$1,018
Wells Fargo Bank72 - 144 Month IRA (Traditional, Roth, SEP)280 Reviews
0.35%*
--$1,073
Bank of America120 Month IRA (Traditional, Roth, CESA)253 Reviews
0.15%*
$1k-$379

Displaying 1-26 of 26 Results


6+ Year IRA Rate Trend

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.




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.