IRA Savings Accounts

IRA savings accounts provide a means of saving for retirement without having funds locked up for a set amount of time. Use the filter box below to customize your results, or click here to learn more about the primary types of IRA Savings Accounts.

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104 Results

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Nationwide Only
Self-Help FCUIRA Account (Traditional, Roth)3 Reviews
4.08%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,020
Self-Help Credit UnionIRA Savings (Traditional, Roth)9 Reviews
4.08%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$1,020
Latino Credit UnionIRA Share Account (Traditional, Roth, SEP)5 Reviews
3.82%
MIN TO
EARN
MIN TO EARN:$25

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$955
Salem FiveRetirement Money Market (Traditional, Roth, CESA, SEP)12 Reviews
3.70%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$925
Ally BankIRA Online Savings (Traditional, Roth, SEP)854 Reviews
3.60%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$900
DiscoverIRA Savings (Traditional, Roth)270 Reviews
3.60%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$900
Lafayette FCUIRA Savings (Traditional, Roth, CESA)29 Reviews
3.34%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$835
All America BankIndividual Retirement Account (Traditional, Roth)24 Reviews
3.30%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$825
Alliant Credit UnionIRA Savings (Traditional, Roth, SEP)77 Reviews
3.10%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$775
Department Of Commerce FCUIRA Money Market Account (Traditional, Roth, CESA)21 Reviews
2.35%*
MIN TO
EARN
MIN TO EARN:$20k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$588
2.28%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$570
Synchrony BankIRA Money Market Account (Traditional, Roth)382 Reviews
2.25%*
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$562
Bethpage FCUIRA Money Market (Traditional, Roth)10 Reviews
2.00%*
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$500
Bellco Credit UnionIRA Account (Traditional, Roth, CESA)16 Reviews
1.95%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$488
Mountain America Credit UnionMoney Market IRA (Traditional, Roth)43 Reviews
1.90%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$475
Northrop Grumman FCUMoney Market IRA (Traditional, Roth, CESA)5 Reviews
1.70%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$425
Michigan State University FCUIRA Insured Money Management Account (Traditional, Roth, CESA, SEP)10 Reviews
1.55%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$388
Digital FCU (DCU)Money Market IRA Account (Traditional, Roth, CESA, SEP, SIMPLE)77 Reviews
1.51%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$378
Principal BankMoney Market IRA (Traditional, Roth)1 Review
1.49%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$372
NASA FCUPremier Money Market IRA (Traditional, Roth)76 Reviews
1.40%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$350
Wings Financial Credit UnionHigh Yield IRA (Traditional, Roth, CESA)40 Reviews
1.31%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$328
Amalgamated BankVariable IRA (Traditional, Roth)5 Reviews
1.26%
MIN TO
EARN
MIN TO EARN:$10

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$315
Ideal Credit UnionIRA High Yield Money Market (Traditional, Roth)6 Reviews
1.06%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$265
United States Senate FCUIRA Savings Account (Traditional, Roth, SEP)13 Reviews
1.01%
MIN TO
EARN
MIN TO EARN:$5

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$252
All In Credit Union (AL)IRA Accumulation (Traditional, Roth)10 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Affinity Plus FCUIRA Savings (Traditional, Roth, SEP)19 Reviews
1.00%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Quorum FCUIRA Savings (Traditional, Roth)13 Reviews
1.00%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$250
Credit HumanIRA Money Fund (Traditional, Roth, CESA)14 Reviews
0.95%*
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$238
Chevron FCUAccumulative IRA (Traditional, Roth)5 Reviews
0.75%
MIN TO
EARN
MIN TO EARN:$25

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
Spectrum Credit UnionAccumulative IRA (Traditional, Roth)2 Reviews
0.75%
MIN TO
EARN
MIN TO EARN:$25

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
Parsons FCUIRA Account (Traditional, Roth)10 Reviews
0.75%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
Capital Educators FCUIRA Savings (59 1/2) (Traditional, Roth)5 Reviews
0.75%
MIN TO
EARN
MIN TO EARN:$10

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
0.65%*
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$163
Consumers Credit Union (IL)IRA Money Market (Traditional, Roth, CESA)104 Reviews
0.65%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$163
Premier America Credit UnionIRA Money Market Savings (Traditional, Roth)12 Reviews
0.65%*
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$163
Spectra Credit UnionIRA Share Account (Traditional, Roth)2 Reviews
0.65%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$163
0.60%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$150
Service Credit UnionIRA Savings (Traditional, Roth)26 Reviews
0.60%
MIN TO
EARN
MIN TO EARN:$50

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$150
Allegacy FCUIRA Savings Account (Traditional, Roth, CESA)12 Reviews
0.50%*
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$125
Pennsylvania State Employees Credit UnionIRA Savings Account (Traditional, Roth, CESA)28 Reviews
0.50%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$125

Displaying 1-40 of 104 Results


IRA Savings Accounts

What is an IRA?

One way to explain an IRA Savings Account is that it is a tax-deferred retirement investment vehicles that grow savings over time while keeping deposited funds fairly liquid and free. Banks and credit unions usually offer interest rates on these accounts that are very comparable to the rates offered on their savings accounts – some of which are high yield rates. The most common types of IRAs are the Traditional IRA and the Roth IRA, as you can see in the rate table above. When you decide to open an account, at most financial institutions you will have to select either the Traditional or Roth option.

The Traditional IRA

Traditional IRAs protect your earnings (called dividends by most credit unions) from taxes until they are withdrawn, as opposed to earnings from a non-IRA savings account that you must report to the IRS on a 1099-INT. Contributions up to a certain limit, which differs from year to year, are tax deductible in a Traditional IRA for the year in which they are made.

The Roth IRA

Roth IRA contributions cannot be deducted, on the other hand. Withdrawals (or distributions) are what give the Roth an advantage, though, as you can take a tax-free distribution for any reason after 5 years from the date of your first contribution. There are even several exceptions to the 5-year period that allow for tax-free distributions, including reaching the age of 59½, becoming disabled, or making a first-time home purchase. Unlike the Traditional IRA, the Roth version does not require distributions based on age. The Roth IRA is probably most similar to a standard savings account after 5 years, as you are able to deposit and withdraw in a similar fashion (usually 6 withdrawals a month).

Within those IRA options, banks and credit unions sometimes offer various features when it comes to the interest rate attached to the account, such as variable, fixed, and step-up rate features. Most interest rates are calculated daily and paid monthly.

An IRA Savings Account could be useful if you are moving earnings out of another IRA investment, such as an IRA CD. By moving earnings from an IRA CD that has reached maturity into an IRA Savings Account, you can avoid paying taxes on earnings. If and when you decide to open an IRA Savings Account, make sure there are no fees associated with account management. Also, remember to assign a beneficiary to the account.




* 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.