IRA CD Rates
It’s time to look, once again, at current IRA CD rates nationally to find the best for your investment. We here at Online Banks Blog know that your retirement is better served if you know the best national IRA CD rates to invest in.
We’ll look at both standard IRA CD rates nationally as well as Jumbo rates for deposits over $100,000. We’ll rank results by annual percentage yield (APY) in each term we consider here.
1 Year IRA CD Rates
For this term, the best rate on IRA CD offers are at Discover Bank at 2.30% APY with a $2,500 minimum deposit. OneWest Bank (California) is not far behind at 2.25% APY with a $5,000 minimum deposit. Stonebridge Bank (PA) is offering a 2.10% APY with a low $500 minimum deposit.
5 Year IRA CD Rates
National IRA CD rates for this most popular IRA term are pretty good. Discover Bank still has the best at 3.50% APY with a $2,500 minimum deposit requirement. Both American Bank and First International Bank of Indiana as well as OneWest Bank (CA) have a 3.00% APY with a $500, $1,000, and $5,000 minimum deposit respectively. Imperial Capital Bank (CA) has a 2.91% APY at $2,000 minimum.
1 Year Jumbo IRA CD Rates
The lineup for the best Jumbo rates is the same as it was for traditionals with the exception of the last one. For that, California National Bank offers a 2.00% APY on this Jumbo CD.
5 Year Jumbo IRA CD Rates
In this category Discover Bank still leads at 3.50% APY and First Internet Bank of Indiana has a 3.00% APY. OneWest Bank (CA) has a 2.97% APY and American Bank (PA) has 2.96% APY.
All of the banks we’ve mentioned here are FDIC insured. Whether you’re looking to invest short or long term with your IRA, these rates on IRA CD offers nationally are worth considering.
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