Best IRA CDs Rates
Compare 253 products from 40 banks

Rates verified: August 21, 2026

Top Rate:4.35% APYFDIC or NCUA Insured

Highest Rates on IRA CDs

Ordered by highest APY. Showing 50 of 253 products tracked.

Top 50 CD terms from 19 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Synchrony Bank 60 Month IRA CD Term: 60 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$0
#2	Farmers and Merchants Union Bank 13 Month IRA CD Promotion Term: 13 months	4.30%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#3	Synchrony Bank 36 Month IRA CD Term: 36 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$0
#4	Synchrony Bank 18 Month IRA CD Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#5	Synchrony Bank 24 Month IRA CD Term: 24 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#6	Dundee Bank 11 Month IRA CD Special Term: 11 months	4.10%APY Verified: Aug 16, 2026 Access: Branch access	$500
#7	Synchrony Bank 12 Month IRA CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$0
#8	Farmers and Merchants Union Bank 60 Month IRA CD Term: 60 months	4.09%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#9	Dundee Bank 7 Month IRA CD Special Term: 7 months	4.05%APY Verified: Aug 16, 2026 Access: Branch access	$500
#10	Farmers and Merchants Union Bank 7 Month IRA CD Promotion Term: 7 months	4.03%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#11	Poppy Bank 6-Month IRA CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#12	Poppy Bank 9-Month IRA CD Term: 9 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#13	Poppy Bank 12-Month IRA CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#14	Fall River Five Cents Savings Bank 15 Month IRA CD Term: 15 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$500
#15	Ally Bank 18 Mo IRA CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#16	FinWise Bank 18-Month IRA Certificate Term: 18 months	4.00%APY Verified: Aug 16, 2026 Access: Branch access	N/A
#17	Poppy Bank 18-Month IRA CD Term: 18 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#18	Poppy Bank 24-Month IRA CD Term: 24 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#19	Poppy Bank 36-Month IRA CD Term: 36 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#20	Poppy Bank 48-Month IRA CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#21	Synchrony Bank 48 Month IRA CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#22	Poppy Bank 60-Month IRA CD Term: 60 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#23	Farmers and Merchants Union Bank 48 Month IRA CD Term: 48 months	3.99%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#24	Grant County Bank 18-Month IRA Certificate Term: 18 months	3.97%APY Verified: Aug 20, 2026 Access: Branch access	$100
#25	Farmers and Merchants Union Bank 36 Month IRA CD Term: 36 months	3.94%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#26	Ally Bank 12 Mo IRA CD Term: 12 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$0
#27	StonehamBank, A Co-operative Bank IRA 9-Month CD Special Term: 9 months	3.85%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#28	Farmers and Merchants Union Bank 30 Month IRA CD Term: 30 months	3.84%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#29	Synchrony Bank 13 Month IRA CD Term: 13 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$0
#30	Synchrony Bank 14 Month IRA CD Term: 14 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$0
#31	Synchrony Bank 15 Month IRA CD Term: 15 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$0
#32	Synchrony Bank 16 Month IRA CD Term: 16 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$0
#33	First Bank 18-Month Variable Rate IRA Term: 18 months	3.79%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#34	First Community Bank of Hillsboro 6 Month IRA Term: 6 months	3.75%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#35	Ally Bank 9 Mo IRA CD Term: 9 months	3.75%APY Verified: Aug 21, 2026 Access: Online only	$0
#36	FirstBank of Nebraska 12 Month IRA CD Term: 12 months	3.75%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#37	Garden Plain State Bank 1 Year IRA CD Term: 12 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#38	FirstBank of Nebraska 24 Month IRA CD Term: 24 months	3.65%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#39	First Fed Bank IRA CD 12 Month Term: 12 months	3.64%APY Verified: Aug 19, 2026 Access: Branch access	$500
#40	Farmers and Merchants Union Bank 24 Month IRA CD Term: 24 months	3.59%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#41	Ergo Bank 12 Month IRA CD Term: 12 months	3.58%APY Verified: Aug 16, 2026 Access: Branch access	$100
#42	UNICO Bank 6 MO Term: 6 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$50
#43	Geddes Federal Savings and Loan Association 60 Month IRA CD Term: 60 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$500
#44	Geddes Federal Savings and Loan Association 65 Month IRA CD Term: 65 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$500
#45	Geddes Federal Savings and Loan Association 72 Month IRA CD Term: 72 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$500
#46	Fifth District Savings Bank 7 Months IRA CD Term: 7 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#47	Florence Bank 14 Month IRA CD Term: 14 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$500
#48	FirstBank of Nebraska 30 Month IRA CD Term: 30 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#49	FirstBank of Nebraska 36 Month IRA CD Term: 36 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#50	Ergo Bank 9 Month IRA CD Term: 9 months	3.53%APY Verified: Aug 16, 2026 Access: Branch access	$100

Synchrony Bank

60 Month IRA CD

Term: 60 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Farmers and Merchants Union Bank

13 Month IRA CD Promotion

Term: 13 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

Synchrony Bank

36 Month IRA CD

Term: 36 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

18 Month IRA CD

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

24 Month IRA CD

Term: 24 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Dundee Bank

11 Month IRA CD Special

Term: 11 months

4.10%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

Synchrony Bank

12 Month IRA CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Farmers and Merchants Union Bank

60 Month IRA CD

Term: 60 months

4.09%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Dundee Bank

7 Month IRA CD Special

Term: 7 months

4.05%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#10

Farmers and Merchants Union Bank

7 Month IRA CD Promotion

Term: 7 months

4.03%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#11

Poppy Bank

6-Month IRA CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#12

Poppy Bank

9-Month IRA CD

Term: 9 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#13

Poppy Bank

12-Month IRA CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#14

Fall River Five Cents Savings Bank

15 Month IRA CD

Term: 15 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#15

Ally Bank

18 Mo IRA CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#16

FinWise Bank

18-Month IRA Certificate

Term: 18 months

4.00%

APY

Verified: Aug 16, 2026

Min Deposit

N/A

Access

Branch access

#17

Poppy Bank

18-Month IRA CD

Term: 18 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#18

Poppy Bank

24-Month IRA CD

Term: 24 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#19

Poppy Bank

36-Month IRA CD

Term: 36 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#20

Poppy Bank

48-Month IRA CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#21

Synchrony Bank

48 Month IRA CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#22

Poppy Bank

60-Month IRA CD

Term: 60 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#23

Farmers and Merchants Union Bank

48 Month IRA CD

Term: 48 months

3.99%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#24

Grant County Bank

18-Month IRA Certificate

Term: 18 months

3.97%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

#25

Farmers and Merchants Union Bank

36 Month IRA CD

Term: 36 months

3.94%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#26

Ally Bank

12 Mo IRA CD

Term: 12 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#27

StonehamBank, A Co-operative Bank

IRA 9-Month CD Special

Term: 9 months

3.85%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#28

Farmers and Merchants Union Bank

30 Month IRA CD

Term: 30 months

3.84%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#29

Synchrony Bank

13 Month IRA CD

Term: 13 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#30

Synchrony Bank

14 Month IRA CD

Term: 14 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#31

Synchrony Bank

15 Month IRA CD

Term: 15 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#32

Synchrony Bank

16 Month IRA CD

Term: 16 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#33

First Bank

18-Month Variable Rate IRA

Term: 18 months

3.79%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#34

First Community Bank of Hillsboro

6 Month IRA

Term: 6 months

3.75%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#35

Ally Bank

9 Mo IRA CD

Term: 9 months

3.75%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#36

FirstBank of Nebraska

12 Month IRA CD

Term: 12 months

3.75%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#37

Garden Plain State Bank

1 Year IRA CD

Term: 12 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#38

FirstBank of Nebraska

24 Month IRA CD

Term: 24 months

3.65%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#39

First Fed Bank

IRA CD 12 Month

Term: 12 months

3.64%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#40

Farmers and Merchants Union Bank

24 Month IRA CD

Term: 24 months

3.59%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#41

Ergo Bank

12 Month IRA CD

Term: 12 months

3.58%

APY

Verified: Aug 16, 2026

Min Deposit

$100

Access

Branch access

#42

UNICO Bank

6 MO

Term: 6 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$50

Access

Branch access

#43

Geddes Federal Savings and Loan Association

60 Month IRA CD

Term: 60 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#44

Geddes Federal Savings and Loan Association

65 Month IRA CD

Term: 65 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#45

Geddes Federal Savings and Loan Association

72 Month IRA CD

Term: 72 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#46

Fifth District Savings Bank

7 Months IRA CD

Term: 7 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#47

Florence Bank

14 Month IRA CD

Term: 14 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#48

FirstBank of Nebraska

30 Month IRA CD

Term: 30 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#49

FirstBank of Nebraska

36 Month IRA CD

Term: 36 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#50

Ergo Bank

9 Month IRA CD

Term: 9 months

3.53%

APY

Verified: Aug 16, 2026

Min Deposit

$100

Access

Branch access