CD Rates
Highest IRA CD Rates
The highest IRA CD rate on Banksparency is 4.35% APY, advertised by Synchrony Bank on its 60 Month IRA CD. This page tracks 325 active IRA CDs from 51 banks.
By Aviel Fahl
|IRA CD Rate Summary
51 banks tracked in this category.
The mean of all tracked IRA CD APYs is 2.69%. The FDIC national average for 12-month CDs is 1.71% as of Aug 2026. The effective federal funds rate is 3.63% as of Sep 3, 2026.
Market Snapshot
Top 10 Range
4.10%–4.35% APY
Average APY
2.69% APY
The mean of all tracked IRA CDs
FDIC National Average
1.71%
12-month CDs, cap 5.65% · Aug 2026
Fed funds rate
3.63%
As of Sep 3, 2026
What a higher rate is worth
A year at the FDIC national average returns about $171 in interest on a $10,000 balance. The highest IRA CDs we track advertise 4.10%–4.35% 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
- Fall River Five Cents Savings Bank
15 Month IRA CD
4.30% APY+0.30%
- Bank of America
Variable Rate IRA CD
0.03% APY-0.08%
Highest IRA CD Rates Right Now
Ordered by highest APY. The top 50 of 325 products tracked.
Synchrony Bank leads at 4.35% APY on its 60 Month IRA CD. The tenth-ranked IRA CD rate is 4.10%, so the top ten span 0.25 points. The leader is 2.5 times the FDIC national average of 1.71%.
Synchrony Bank
60 Month IRA CD · 60 months
Farmers and Merchants Union Bank
13 Month IRA CD Promotion · 13 months
Fall River Five Cents Savings Bank
15 Month IRA CD · 15 months
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.35%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #2 | 4.30%APY Observed: Sep 5, 2026 Access: Branch access | $5,000 | ||
| #3 | 4.30%APY Observed: Sep 5, 2026 Access: Branch access | $500 | ||
| #4 | 4.30%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #5 | 4.25%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #6 | 4.25%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #7 | 4.25%APY Observed: Sep 7, 2026 | $500 | ||
| #8 | 4.18%APY Observed: Sep 7, 2026 | $500 | ||
| #9 | 4.15%APY Observed: Sep 7, 2026 | $500 | ||
| #10 | 4.10%APY Observed: Sep 5, 2026 Access: Branch access | $500 | ||
| #11 | 4.10%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #12 | 4.10%APY Observed: Sep 7, 2026 | $500 | ||
| #13 | 4.09%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #14 | 4.05%APY Observed: Sep 7, 2026 | $500 | ||
| #15 | 4.05%APY Observed: Sep 5, 2026 Access: Branch access | $500 | ||
| #16 | 4.05%APY Observed: Sep 7, 2026 | $500 | ||
| #17 | 4.03%APY Observed: Sep 5, 2026 Access: Branch access | $5,000 | ||
| #18 | 4.01%APY Observed: Sep 7, 2026 | N/A | ||
| #19 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #20 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #21 | 4.00%APY Observed: Sep 7, 2026 | $500 | ||
| #22 | 4.00%APY Observed: Sep 7, 2026 | N/A | ||
| #23 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #24 | 4.00%APY Observed: Sep 7, 2026 | $500 | ||
| #25 | 4.00%APY Observed: Sep 7, 2026 | N/A | ||
| #26 | 4.00%APY Observed: Sep 7, 2026 Access: Online only | $0 | ||
| #27 | 4.00%APY Observed: Sep 7, 2026 | N/A | ||
| #28 | 4.00%APY Observed: Sep 7, 2026 Access: Branch access | N/A | ||
| #29 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #30 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #31 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #32 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #33 | 4.00%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #34 | 4.00%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #35 | 3.99%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #36 | 3.97%APY Observed: Sep 5, 2026 Access: Branch access | $100 | ||
| #37 | 3.94%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #38 | 3.91%APY Observed: Sep 7, 2026 | N/A | ||
| #39 | 3.90%APY Observed: Sep 7, 2026 Access: Online only | $0 | ||
| #40 | 3.89%APY Observed: Sep 7, 2026 | N/A | ||
| #41 | 3.85%APY Observed: Sep 2, 2026 Access: Branch access | $1,000 | ||
| #42 | 3.85%APY Observed: Sep 7, 2026 | $500 | ||
| #43 | 3.85%APY Observed: Sep 7, 2026 | N/A | ||
| #44 | 3.85%APY Observed: Sep 7, 2026 | N/A | ||
| #45 | 3.84%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 | ||
| #46 | 3.80%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #47 | 3.80%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #48 | 3.80%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #49 | 3.80%APY Observed: Sep 5, 2026 Access: Online only | $0 | ||
| #50 | 3.79%APY Observed: Sep 5, 2026 Access: Branch access | $1,000 |
$0
Online only
$5,000
Branch access
$500
Branch access
$0
Online only
$0
Online only
$0
Online only
$500
N/A
$500
N/A
$500
N/A
$500
Branch access
$0
Online only
$500
N/A
$1,000
Branch access
$500
N/A
$500
Branch access
$500
N/A
$5,000
Branch access
N/A
N/A
$1,000
Branch access
$1,000
Branch access
$500
N/A
N/A
N/A
$1,000
Branch access
$500
N/A
N/A
N/A
$0
Online only
N/A
N/A
N/A
Branch access
$1,000
Branch access
$1,000
Branch access
$1,000
Branch access
$1,000
Branch access
$0
Online only
$1,000
Branch access
$1,000
Branch access
$100
Branch access
$1,000
Branch access
N/A
N/A
$0
Online only
N/A
N/A
$1,000
Branch access
$500
N/A
N/A
N/A
N/A
N/A
$1,000
Branch access
$0
Online only
$0
Online only
$0
Online only
$0
Online only
$1,000
Branch access
IRA CD rate questions
What is the highest IRA CD rate right now?
Synchrony Bank advertises 4.35% APY on its 60 Month IRA CD, the highest of 325 active IRA CDs tracked on Banksparency.
What is the average IRA CD rate?
The mean of all 325 tracked IRA CD APYs is 2.69%. 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 4.10% to 4.35% APY, against an FDIC national average of 1.71%. The FDIC national rate cap for 12-month CDs is 5.65%.
When were these IRA CD rates last observed?
The newest reading on this page is from Monday, September 7, 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.