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Best IRA Savings Accounts
Compare 35 products from 25 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top Rate:4.18%

Highest IRA Savings Accounts

Ordered by highest APY. 35 products tracked.

Lindell Bank & Trust Company

4.18% APY

18-Month Special Variable Rate IRA

: $1,000

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Ergo Bank

3.53% APY

Variable Rate IRA

: $100

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Peapack Private Bank & Trust

3.25% APY

Personal Individual Retirement Accounts IRAs

: $500

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Farmers and Merchants Union Bank

2.47% APY

IRA Advantage

: $50

Min Balance: $50

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West Central Bank

2.47% APY

IRA 48 Month Fixed 1,4

: $25

Min Balance: $25

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Genoa Community Bank

2.35% APY

24 Month Variable Rate IRA Savings

: $500

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West Central Bank

2.32% APY

IRA 24 Month Fixed 1,4

: $25

Min Balance: $25

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FirstBank of Nebraska

2.02% APY

IRA Savings

: $100

Min Balance: $100

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West Central Bank

2.02% APY

IRA Variable Rate 1,5

: $25

Min Balance: $25

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State Bank of Graymont

2.00% APY

IRA Savings

: $1

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Synchrony Bank

2.00% APY

IRA Money Market Account

00
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Petefish, Skiles & Co.

1.96% APY

IRA Floating Rate

: $1,000

Min Balance: $1,000

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Peoples State Bank of Plainview

1.66% APY

IRA Savings

: $25

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Dundee Bank

1.50% APY

IRA Savings Account

00
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Security Bank Minnesota

1.26% APY

Variable Rate IRA Savings

: $100

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Central Penn Bank & Trust

1.15% APY

60 months

: $100

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Central Penn Bank & Trust

1.05% APY

48 months

: $100

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Central Penn Bank & Trust

1.00% APY

36 months

: $100

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Central Penn Bank & Trust

0.85% APY

30 months

: $100

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Central Penn Bank & Trust

0.80% APY

24 months

: $100

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Central Penn Bank & Trust

0.75% APY

18 Months

: $100

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Central Penn Bank & Trust

0.70% APY

12 Months

: $100

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Exchange State Bank

0.65% APY

IRA

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Central Penn Bank & Trust

0.60% APY

6 months

: $100

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First National Bank of Clarksdale

0.30% APY

IRA Floating

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Central Penn Bank & Trust

0.25% APY

12 months var. eff. 4/15* + incl Jumbo

: $100

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First Community Bank of Hillsboro

0.20% APY

TDOA IRA

: $25

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First Federal Bank of Kansas City

0.20% APY

IRA Savings

: $100

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Carver Bank

0.10% APY

Savings Liquit IRA

: $100

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Farmers & Merchants State Bank

0.07% APY

IRA Passbook Savings

: $100

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Federation Bank

0.05% APY

IRA Savings

: $250

Min Balance: $0.01

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Florence Bank

0.05% APY

Variable IRA Savings Account

: $10

Min Balance: $10

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The Old Fort Banking Company

0.05% APY

IRA Variable

: $250

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First County Bank

0.03% APY

IRA Money Market

Min Balance: $1,000

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First Federal Savings and Loan Association

0.02% APY

IRA Access Fund

: $1,000

Min Balance: $500

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