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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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

Nationwide Only
INOVA FCU6 Year IRA (Traditional, Roth, CESA)31 Reviews
3.50%
$200-$5,731
Northrop Grumman FCU7 Year Term IRA (Traditional, Roth, CESA)3 Reviews
3.23%
$2k-$6,231
M.Y. Safra Bank84 Month Classic IRA (Traditional, Roth)5 Reviews
3.20%
$5k-$6,186
AFFCU7 Year IRA
3.15%*
$25k-$6,062
KS StateBank7 Year IRA - In Branch Only (Traditional, Roth)4 Reviews
3.15%
$500-$6,062
Discover Bank10 Year IRA (Traditional, Roth)205 Reviews
3.10%
$2.5k-$8,926
Chartway FCU60-71 Month IRA (Traditional, Roth)28 Reviews
3.10%
$500-$4,963
Evansville Teachers FCU6 Year IRA (Traditional, Roth, CESA)3 Reviews
3.05%
$1k-$4,938
2.95%
$1k-$5,643
USAA Bank7 Year IRA - Standard (Traditional, Roth, SEP, SIMPLE)238 Reviews
2.78%
$250$95k$5,290
2.75%
$1k-$7,816
Flagstar Bank108 - 120 Month IRA (Traditional, Roth, CESA)63 Reviews
2.25%
$500-$6,249
Bank of Blue Valley60 - 71 Month IRA (Traditional, Roth, CESA, SEP)4 Reviews
2.22%
$500-$3,478
Andrews FCU84 Month IRA Certificate (Traditional, Roth, CESA)36 Reviews
2.20%
$1k-$4,126
Principal Bank72 Month IRA (Traditional, Roth)
2.07%*
$2.5k-$3,280
New Buffalo Savings Bank8 Year IRA CD (Traditional, Roth)5 Reviews
1.61%
$100-$3,407
Elements Financial7 Year IRA (Traditional, Roth, CESA)4 Reviews
1.50%
$1k-$2,746
North American Savings Bank60 - 120 Month IRA (Traditional, Roth, CESA)5 Reviews
1.01%
$1k-$2,651
Bank of America120 Month IRA (Traditional, Roth)339 Reviews
0.75%*
$1k-$1,945

Displaying 1-19 of 19 Results


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 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.