CD Rates
Highest IRA CD Rates
The highest IRA CD rate on Banksparency is 5.09% APY, advertised by Grant County State Bank on its 60-Month IRA. This page tracks 2,359 active IRA CDs from 436 banks.
By Aviel Fahl
|IRA CD Rate Summary
436 banks tracked in this category.
The mean of all tracked IRA CD APYs is 2.50%. The FDIC national average for 12-month CDs is 1.73% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 2, 2026.
Market Snapshot
Top 10 Range
4.50%–5.09% APY
Average APY
2.50% APY
The mean of all tracked IRA CDs
FDIC National Average
1.73%
12-month CDs, cap 5.74% · Sep 2026
Fed funds rate
3.88%
As of Oct 2, 2026
What a higher rate is worth
A year at the FDIC national average returns about $173 in interest on a $10,000 balance. The highest IRA CDs we track advertise 4.50%–5.09% APY.
The neighbouring rankings, if this is not the account you want:
Latest Rate Changes
Review every rate change captured for the selected timeframe.
Effective Federal Funds Rate
Policy rate benchmark
- UNICO Bank
18 MO
4.12% APY+3.57 percentage points - First Bank and Trust Company of Illinois
1-Year IRA CD
4.00% APY+2.50 percentage points - Bank of Easton
3 Month IRA CD
2.50% APY+2.25 percentage points - Home Bank of California
48-59 Month IRA CD
4.35% APY+1.71 percentage points - Home Bank of California
60 Month IRA CD
4.35% APY+1.66 percentage points - American State Bank
48 Month Jumbo IRA
3.69% APY+1.53 percentage points - American State Bank
48 Month IRA
3.59% APY+1.48 percentage points - The Bank of Protection
3 Year IRA
4.04% APY+1.42 percentage points - American State Bank
60 Month Jumbo IRA
3.80% APY+1.40 percentage points - Armed Forces Bank, National Association
18-Month IRA CD
3.75% APY+1.40 percentage points - American State Bank
36 Month IRA
3.54% APY+1.34 percentage points - American State Bank
60 Month IRA
3.64% APY+1.33 percentage points - Academy Bank, National Association
18-Month CD IRA
4.40% APY+1.30 percentage points - American State Bank
36 Month Jumbo IRA
3.64% APY+1.21 percentage points - Martha's Vineyard Bank
12-Month IRA CD
3.70% APY+0.90 percentage points - American State Bank
24 Month IRA
3.49% APY+0.86 percentage points - UNICO Bank
13 MO
4.23% APY+0.83 percentage points - UNICO Bank
15 MO
4.15% APY+0.80 percentage points - American State Bank & Trust Company of Williston
60 Month IRA
3.60% APY+0.80 percentage points - Pathway Bank
IRA 24 Month CD
4.05% APY+0.80 percentage points - The Bank of Protection
2 Year IRA
3.79% APY+0.76 percentage points - American State Bank
18 Month Jumbo IRA
3.80% APY+0.76 percentage points - Magyar Bank
25-month IRA CD
4.25% APY+0.75 percentage points - Ion Bank
IRA 25 Month Certificate
4.00% APY+0.75 percentage points - American State Bank
24 Month Jumbo IRA
3.59% APY+0.74 percentage points - American State Bank & Trust Company of Williston
48 Month IRA
3.50% APY+0.70 percentage points - First Community Bank, Xenia-Flora
3 Years IRA
3.70% APY+0.65 percentage points - Armed Forces Bank, National Association
15-Month IRA CD
3.65% APY+0.65 percentage points - The Port Washington State Bank
2 Year IRA
4.15% APY+0.60 percentage points - American State Bank & Trust Company of Williston
36 Month IRA
3.40% APY+0.60 percentage points - Peoples Bank of Kankakee County
11 Month IRA CD Special
3.65% APY+0.59 percentage points - The Bank of Protection
18 Month IRA
3.69% APY+0.56 percentage points - Pathway Bank
IRA 12 Month CD
4.15% APY+0.55 percentage points - Grant County State Bank
36-Month IRA
4.32% APY+0.52 percentage points - Washington Savings Bank
36 Month Bump Roth IRA
3.70% APY+0.51 percentage points - Washington Savings Bank
36 Month Bump Traditional IRA
3.70% APY+0.51 percentage points - Grant County State Bank
60-Month IRA
5.09% APY+0.51 percentage points - Grant County State Bank
48-Month IRA
4.83% APY+0.51 percentage points - The Bank of Protection
6 Month IRA
3.38% APY+0.51 percentage points - Solvay Bank
182 Day IRA CD
4.00% APY+0.50 percentage points - Citizens Bank
48 Month IRA Certificate
4.00% APY+0.50 percentage points - Citizens Bank
60 Month IRA Certificate
4.00% APY+0.50 percentage points - Martha's Vineyard Bank
9-Month IRA CD
3.50% APY+0.50 percentage points - Solvay Bank
24 Month IRA CD
3.50% APY+0.50 percentage points - Citizens Bank
6 Month IRA Certificate
2.50% APY+0.50 percentage points - American State Bank
18 Month IRA
3.34% APY+0.49 percentage points - Somerset Regal Bank
18 Month Variable IRA
4.60% APY+0.49 percentage points - Academy Bank, National Association
30-Month CD IRA
3.51% APY+0.48 percentage points - Academy Bank, National Association
36-Month CD IRA
3.51% APY+0.48 percentage points - Academy Bank, National Association
48-Month CD IRA
3.51% APY+0.48 percentage points - Academy Bank, National Association
60-Month CD IRA
3.51% APY+0.48 percentage points - Armed Forces Bank, National Association
30-Month IRA CD
2.75% APY+0.48 percentage points - Armed Forces Bank, National Association
36-Month IRA CD
2.75% APY+0.48 percentage points - Armed Forces Bank, National Association
48-Month IRA CD
2.75% APY+0.48 percentage points - Armed Forces Bank, National Association
60-Month IRA CD
2.75% APY+0.48 percentage points - Washington Savings Bank
60 Month Traditional IRA
3.75% APY+0.46 percentage points - Washington Savings Bank
24 Month Roth IRA
3.70% APY+0.46 percentage points - Washington Savings Bank
24 Month Traditional IRA
3.70% APY+0.46 percentage points - Academy Bank, National Association
12-Month CD IRA
4.20% APY+0.45 percentage points - Washington Savings Bank
18 Month Traditional IRA
3.65% APY+0.43 percentage points - Lyons Federal Bank
13 Month Special IRA CD
4.11% APY+0.41 percentage points - The Bank of Protection
1 Year IRA
3.54% APY+0.41 percentage points - Citizens Bank Minnesota
60 Month Special IRA CD
3.44% APY+0.41 percentage points - Academy Bank, National Association
19-Month CD IRA
3.51% APY+0.41 percentage points - Academy Bank, National Association
24-Month CD IRA
3.51% APY+0.41 percentage points - Citizens Bank
39 Month Special IRA Certificate
4.40% APY+0.40 percentage points - Synchrony Bank
48 Month IRA CD
4.40% APY+0.40 percentage points - Armed Forces Bank, National Association
12-Month IRA CD
3.55% APY+0.40 percentage points - Armed Forces Bank, National Association
19-Month IRA CD
2.75% APY+0.40 percentage points - Armed Forces Bank, National Association
24-Month IRA CD
2.75% APY+0.40 percentage points - First Bank
18-Month Variable Rate IRA
4.17% APY+0.38 percentage points - Washington Savings Bank
84 Month Roth IRA
3.75% APY+0.36 percentage points - Washington Savings Bank
84 Month Traditional IRA
3.75% APY+0.36 percentage points - Home Bank of California
24-35 Month IRA CD
4.35% APY+0.36 percentage points - The Neffs National Bank
15 Month IRA Certificate
4.00% APY+0.35 percentage points - The Andover Bank
18 Month IRA
3.85% APY+0.35 percentage points - Lyons Federal Bank
27 Month Special IRA CD
3.75% APY+0.35 percentage points - Hickory Point Bank and Trust
13 Month IRA Special
4.01% APY+0.31 percentage points - Hickory Point Bank and Trust
2 Year IRA CD
4.01% APY+0.31 percentage points - Martha's Vineyard Bank
6-Month IRA CD
3.10% APY+0.30 percentage points - Argentine Federal Savings
12 Month IRA CD
4.25% APY+0.30 percentage points - Citizens State Bank Norwood Young America
12 Month Fixed IRA Certificate of Deposit
3.70% APY+0.26 percentage points - UNICO Bank
6 MO
3.82% APY+0.26 percentage points - Forward Bank
9 Month IRA CD
4.25% APY+0.25 percentage points - Citizens Bank
13 Month Special IRA Certificate
4.25% APY+0.25 percentage points - Lyons Federal Bank
7 Month Special IRA CD
4.21% APY+0.25 percentage points - Magyar Bank
9-month IRA CD
4.00% APY+0.25 percentage points - Citizens Bank
18 Month IRA Certificate
3.75% APY+0.25 percentage points - 3.75% APY+0.25 percentage points
- Citizens Bank
24 Month IRA Certificate
3.75% APY+0.25 percentage points - Citizens Bank
30 Month IRA Certificate
3.75% APY+0.25 percentage points - Citizens Bank
36 Month IRA Certificate
3.75% APY+0.25 percentage points - The First National Bank of Okawville
60 Month IRA Certificate
3.63% APY+0.25 percentage points - Pathway Bank
IRA 36 Month CD
3.50% APY+0.25 percentage points - American State Bank
3 Month Jumbo IRA
3.30% APY+0.25 percentage points - Harvest Bank
36 Month Variable Rate IRA
3.25% APY+0.25 percentage points - Citizens State Bank Norwood Young America
18 Month Variable IRA Certificate of Deposit
1.71% APY+0.25 percentage points - First National Bank of Hereford
IRA - 1 Year
4.04% APY+0.22 percentage points - Citizens State Bank Norwood Young America
30 Month Fixed IRA Certificate of Deposit
3.24% APY+0.21 percentage points - PlainsCapital Bank
1 Year IRA
3.19% APY+0.21 percentage points - The First National Bank of Blanchester
IRA COD 4 Years
3.19% APY+0.21 percentage points - PlainsCapital Bank
4 Year IRA
2.88% APY+0.21 percentage points - PlainsCapital Bank
5 Year IRA
2.83% APY+0.21 percentage points - Winchester Co-operative Bank
24 Month IRA Term Deposit Certificate
4.30% APY+0.20 percentage points - Winchester Co-operative Bank
30 Month IRA Term Deposit Certificate
4.30% APY+0.20 percentage points - Winchester Co-operative Bank
36 Month IRA Term Deposit Certificate
4.30% APY+0.20 percentage points - UNICO Bank
9 MO
3.71% APY+0.20 percentage points - GSL Savings Bank
12-Month IRA CD
3.45% APY+0.20 percentage points - PlainsCapital Bank
3 Year IRA
2.98% APY+0.20 percentage points - American State Bank
12 Month Jumbo IRA
3.51% APY+0.20 percentage points - PlainsCapital Bank
2 Year IRA
3.03% APY+0.20 percentage points - Washington Savings Bank
12 Month Roth IRA
3.60% APY+0.16 percentage points - Washington Savings Bank
12 Month Traditional IRA
3.60% APY+0.16 percentage points - Century Bank
24 Month IRA CD
2.68% APY+0.16 percentage points - GSL Savings Bank
24-Month IRA CD
3.61% APY+0.16 percentage points - Synchrony Bank
60 Month IRA CD
4.50% APY+0.15 percentage points - Citizens Bank
7 Month Special IRA Certificate
4.25% APY+0.15 percentage points - The First National Bank of Blanchester
IRA COD 5 Years
3.70% APY+0.15 percentage points - Century Bank
12 Month IRA CD
2.93% APY+0.15 percentage points - The First National Bank of Blanchester
IRA COD 3 Years
2.93% APY+0.15 percentage points - Solvay Bank
12 Month IRA CD
3.80% APY+0.15 percentage points - Citizens Bank
12 Month IRA Certificate
3.75% APY+0.15 percentage points - Pathway Bank
IRA 48 Month CD
3.50% APY+0.15 percentage points - The First National Bank of Okawville
18 Month IRA Certificate
2.87% APY+0.15 percentage points - Century Bank
36 Month IRA CD
2.17% APY+0.15 percentage points - Century Bank
48 Month IRA CD
2.17% APY+0.15 percentage points - Century Bank
60 Month IRA CD
2.17% APY+0.15 percentage points - Academy Bank, National Association
15-Month CD IRA
4.30% APY+0.15 percentage points - American State Bank
6 Month IRA
2.62% APY+0.12 percentage points - The First National Bank of Blanchester
IRA COD 180-364 Days
1.26% APY+0.11 percentage points - GSL Savings Bank
18-Month IRA CD
3.56% APY+0.11 percentage points - GSL Savings Bank
18-Month Variable Rate IRA CD
3.56% APY+0.11 percentage points - The First National Bank of Okawville
36 Month IRA Certificate
3.28% APY+0.11 percentage points - Lyons Federal Bank
60 Month IRA CD
3.19% APY+0.11 percentage points - Bread Savings
9-Month Retirement CD
4.40% APY+0.10 percentage points - Synchrony Bank
36 Month IRA CD
4.40% APY+0.10 percentage points - The First National Bank of Blanchester
IRA COD 7 Years
4.37% APY+0.10 percentage points - Needham Bank
7 Month IRA Certificate of Deposit
4.20% APY+0.10 percentage points - Needham Bank
11 Month IRA Certificate of Deposit
4.20% APY+0.10 percentage points - Synchrony Bank
12 Month IRA CD
4.20% APY+0.10 percentage points - Needham Bank
15 Month IRA Certificate of Deposit
4.20% APY+0.10 percentage points - Bank of Utica
IRA 48 to 59 Month CD
4.20% APY+0.10 percentage points - Winchester Co-operative Bank
12 Month IRA Term Deposit Certificate
4.15% APY+0.10 percentage points - Winchester Co-operative Bank
18 Month IRA Term Deposit Certificate
4.15% APY+0.10 percentage points - GSL Savings Bank
6-Month IRA CD
3.35% APY+0.10 percentage points - Lyons Federal Bank
48-59 Month IRA CD
3.08% APY+0.10 percentage points - Lyons Federal Bank
30-35 Month IRA CD
2.98% APY+0.10 percentage points - Lyons Federal Bank
24-29 Month IRA CD
2.88% APY+0.10 percentage points - The First National Bank of Blanchester
IRA COD 2 Years
2.37% APY+0.10 percentage points - Lyons Federal Bank
18-23 Month IRA CD
2.06% APY+0.10 percentage points - Lyons Federal Bank
18 Month Variable IRA
2.06% APY+0.10 percentage points - Lyons Federal Bank
12-17 Month IRA CD
1.86% APY+0.10 percentage points - The First National Bank of Blanchester
IRA COD 1 Year
1.81% APY+0.10 percentage points - Lyons Federal Bank
91 Day - 5 Month IRA CD
1.05% APY+0.10 percentage points - Lyons Federal Bank
32-90 Day IRA CD
0.80% APY+0.10 percentage points - Lyons Federal Bank
30 Day IRA
0.80% APY+0.10 percentage points - Lyons Federal Bank
6-11 Month IRA CD
1.15% APY+0.10 percentage points - Bread Savings
18-Month Retirement CD
4.50% APY+0.10 percentage points - Synchrony Bank
18 Month IRA CD
4.35% APY+0.10 percentage points - Synchrony Bank
24 Month IRA CD
4.35% APY+0.10 percentage points - Bank of Utica
IRA 60 Month CD
4.30% APY+0.10 percentage points - Bank of Utica
IRA 36 to 47 Month CD
4.10% APY+0.10 percentage points - Lyons Federal Bank
36-47 Month IRA CD
3.03% APY+0.10 percentage points - North Easton Savings Bank
19 Month IRA
3.75% APY+0.06 percentage points - Home Bank of California
36-47 Month IRA CD
4.35% APY+0.06 percentage points - Mid Penn Bank
1 Year IRA CD
3.95% APY+0.05 percentage points - Mid Penn Bank
2 Year Add-On IRA CD
3.95% APY+0.05 percentage points - American State Bank
6 Month Jumbo IRA
3.46% APY+0.05 percentage points - American State Bank
12 Month IRA
3.04% APY+0.04 percentage points - American State Bank
3 Month IRA
2.53% APY+0.03 percentage points - Gunnison Savings and Loan Association
18 Month IRA (Variable Rate)
3.57% APY+0.01 percentage points
- The Andover Bank
12 Month IRA
3.00% APY-0.55 percentage points - Martha's Vineyard Bank
3-Month IRA CD
3.00% APY-0.35 percentage points - BankGloucester
IRA Certificate - 24 Month
3.75% APY-0.25 percentage points - Washington Savings Bank
15 Month Roth IRA
0.25% APY-0.25 percentage points - Washington Savings Bank
15 Month Traditional IRA
0.25% APY-0.25 percentage points - Washington Savings Bank
30 Month Traditional IRA
0.25% APY-0.25 percentage points - Kendall Bank
24-Month IRA CD
2.34% APY-0.16 percentage points - Argentine Federal Savings
3 Month IRA CD
3.50% APY-0.10 percentage points - Armed Forces Bank, National Association
13-Month IRA CD
3.25% APY-0.10 percentage points - Academy Bank, National Association
13-Month CD IRA
4.00% APY-0.10 percentage points
Highest IRA CD Rates Right Now
Ordered by highest APY. The top 50 of 2359 products tracked.
Grant County State Bank leads at 5.09% APY on its 60-Month IRA. The tenth-ranked IRA CD rate is 4.50%, so the top ten span 0.59 points. The leader is 2.9 times the FDIC national average of 1.73%.
Grant County State Bank
60-Month IRA · 60 months
State Bank of Newburg
18 mo Variable Rate IRA Certificate of Deposit · 18 months
Grant County State Bank
48-Month IRA · 48 months
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 5.09%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #2 | 4.84%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #3 | 4.83%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.75%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #5 | 4.70%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #6 | 4.60%APY Observed: Oct 5, 2026 Branches: Yes | $100 | ||
| #7 | 4.60%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #8 | 4.57%APY Observed: Oct 5, 2026 Branches: Yes | $250 | ||
| #9 | 4.55%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #10 | 4.50%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #11 | 4.50%APY Observed: Oct 5, 2026 | $1,500 | ||
| #12 | 4.50%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #13 | 4.50%APY Observed: Oct 5, 2026 Branches: Yes | $5,000 | ||
| #14 | 4.50%APY Observed: Oct 5, 2026 | $1,500 | ||
| #15 | 4.50%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $0 | ||
| #16 | 4.45%APY Observed: Oct 2, 2026 Branches: Yes | N/A | ||
| #17 | 4.45%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #18 | 4.45%APY Observed: Oct 5, 2026 | $1,500 | ||
| #19 | 4.45%APY Observed: Oct 5, 2026 | $500 | ||
| #20 | 4.44%APY Observed: Oct 5, 2026 Branches: Yes | $250 | ||
| #21 | 4.40%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #22 | 4.40%APY Observed: Oct 5, 2026 | $1,500 | ||
| #23 | 4.40%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #24 | 4.40%APY Observed: Oct 2, 2026 Branches: Yes | N/A | ||
| #25 | 4.40%APY Observed: Oct 5, 2026 | $1,500 | ||
| #26 | 4.40%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $0 | ||
| #27 | 4.40%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #28 | 4.40%APY Observed: Oct 5, 2026 | $500 | ||
| #29 | 4.40%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $0 | ||
| #30 | 4.39%APY Observed: Oct 5, 2026 Branches: Yes | $250 | ||
| #31 | 4.39%APY Observed: Oct 5, 2026 Branches: Yes | $2,500 | ||
| #32 | 4.37%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #33 | 4.35%APY Observed: Oct 2, 2026 Branches: Yes | N/A | ||
| #34 | 4.35%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $0 | ||
| #35 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #36 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #37 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #38 | 4.35%APY Observed: Oct 5, 2026 | $1,500 | ||
| #39 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #40 | 4.35%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $0 | ||
| #41 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #42 | 4.35%APY Observed: Oct 5, 2026 | $500 | ||
| #43 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #44 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #45 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #46 | 4.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #47 | 4.34%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #48 | 4.32%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #49 | 4.30%APY Observed: Oct 2, 2026 Branches: Yes | N/A | ||
| #50 | 4.30%APY Observed: Oct 5, 2026 Branches: Yes | $5,000 |
$1,000
Yes
$500
Yes
$1,000
Yes
$2,500
Yes
$2,500
Yes
$100
Yes
$2,500
Yes
$250
Yes
$500
Yes
$1,000
Yes
$1,500
N/A
$2,500
Yes
$5,000
Yes
$1,500
N/A
$0
None
N/A
Yes
$2,500
Yes
$1,500
N/A
$500
N/A
$250
Yes
$500
Yes
$1,500
N/A
$500
Yes
N/A
Yes
$1,500
N/A
$0
None
$2,500
Yes
$500
N/A
$0
None
$250
Yes
$2,500
Yes
$1,000
Yes
N/A
Yes
$0
None
$500
Yes
$500
Yes
$500
Yes
$1,500
N/A
$500
Yes
$0
None
$500
Yes
$500
N/A
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$5,000
Yes
IRA CD rate questions
What is the highest IRA CD rate right now?
Grant County State Bank advertises 5.09% APY on its 60-Month IRA, the highest of 2,359 active IRA CDs tracked on Banksparency.
What is the average IRA CD rate?
The mean of all 2,359 tracked IRA CD APYs is 2.50%. It is a plain mean across every tracked product.
How do the top IRA CD rates compare with the FDIC national average?
The ten highest advertised rates run from 4.50% to 5.09% APY, against an FDIC national average of 1.73%. The FDIC national rate cap for 12-month CDs is 5.74%.
When were these IRA CD rates last observed?
The newest reading on this page is from Monday, October 5, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.