Featured 1-Year CD Rates
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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.

Deposit Amount
$1 $100,000
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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:

151 Results

Nationwide Only
EverBank1 Year Yield Pledge IRA (Traditional, Roth)27 Reviews
First Internet Bank of IN12 Month IRA (Traditional, Roth, CESA)9 Reviews
Air Force FCU1 Year IRA (Traditional, Roth, CESA)
KS StateBank1 Year IRA - In Branch Only (Traditional, Roth)
North American Savings Bank11 Month IRA - checking balance $10K+ (Traditional, Roth, CESA)4 Reviews
Xcel FCU12 Month IRA (Traditional, Roth, CESA)8 Reviews
Northpointe Bank12 Month IRA Special14 Reviews
Service Credit Union11 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
Andrews FCU12 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
Nationwide Bank12 Month IRA (Traditional, Roth, CESA, SEP)101 Reviews
Melrose Credit Union1 Year Share IRA Certificate (Traditional, Roth)20 Reviews
Synchrony Bank12 Month IRA CD (Traditional, Roth)180 Reviews
Connexus Credit Union12 Month IRA Certificate (Traditional, Roth)25 Reviews
Alliant Credit Union12 - 17 Month Jumbo CESA36 Reviews
Discover Bank12 Month IRA (Traditional, Roth)123 Reviews
Ally BankIRA High Yield 12-Month CD (Traditional, Roth, SEP)515 Reviews
Home Savings Bank12 Month Internet Only IRA Special (Traditional, Roth)
Quorum FCU11 Month Term Savings IRA (Traditional, Roth)6 Reviews
MutualOne Bank13 Month IRA (Traditional, Roth)1 Review
Self-Help Credit Union12 Month IRA (Traditional, Roth)7 Reviews
Self-Help FCU12 Month IRA (Traditional, Roth)1 Review
State Department FCU12 Month IRA Certificate (Traditional, Roth)6 Reviews
Northwest FCU1 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
Evansville Teachers FCU1 Year IRA (Traditional, Roth, CESA)1 Review
United States Senate FCU12-24 Month IRA (Traditional, Roth, SEP)3 Reviews
GTE Financial12 Month Add-on IRA Certificate (Traditional, CESA, Roth, SEP)13 Reviews
Chartway FCU12-17 Month IRA (Traditional, Roth, CESA)23 Reviews
Lake Michigan Credit Union14 Month VIP IRA CD Special55 Reviews
First Technology FCU13 Month Bump Up IRA (Traditional, Roth, CESA)25 Reviews
Mountain America Credit Union12 Month IRA (Traditional, Roth)18 Reviews
Chevron FCU1 Year IRA (Traditional, Roth)5 Reviews
AgFed Credit Union12 Month IRA Certificate (Traditional, Roth, CESA)
Blue FCU12 Month IRA - Sapphire (Traditional, Roth)8 Reviews
Bellco Credit Union12 Months IRA (Traditional, Roth, CESA)11 Reviews
NBKC Bank12 Month CD (Traditional, Roth)
Premier America Credit Union12 Month IRA (Traditional, Roth, CESA)6 Reviews

Displaying 1-40 of 151 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 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 [email protected] 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.