Savings Accounts
Highest IRA Savings Account Rates
The highest IRA savings rate on Banksparency is 4.75% APY, advertised by The Corner Stone Bank on its Regular IRAs. This page tracks 261 active IRA savings accounts from 233 banks.
By Aviel Fahl
|IRA Savings Account Rate Summary
233 banks tracked in this category.
The mean of all tracked IRA savings account APYs is 1.29%. The FDIC national average for savings accounts is 0.37% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 1, 2026.
Market Snapshot
Top 10 Range
4.00%–4.75% APY
Average APY
1.29% APY
The mean of all tracked IRA savings accounts
FDIC National Average
0.37%
savings accounts, cap 4.38% · Sep 2026
Fed funds rate
3.88%
As of Oct 1, 2026
What a higher rate is worth
A year at the FDIC national average returns about $37 in interest on a $10,000 balance. The highest IRA savings accounts we track advertise 4.00%–4.75% 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
- 2.07% APY+0.67 percentage points
- Iowa State Bank
Roth IRA - Fixed Rate
4.06% APY+0.60 percentage points - Iowa State Bank
Traditional IRA - Fixed Rate
4.06% APY+0.60 percentage points - F&M Bank
Savings IRA
0.69% APY+0.49 percentage points - Volunteer Bank
Savings IRA
0.69% APY+0.49 percentage points - Lindell Bank & Trust Company
18-Month Special Variable Rate IRA
4.52% APY+0.37 percentage points - Bank of Utica
IRA MMA
2.20% APY+0.10 percentage points - Iowa State Bank
Roth IRA - Variable Rate
4.22% APY+0.07 percentage points - Iowa State Bank
Traditional IRA - Variable Rate
4.22% APY+0.07 percentage points
Highest IRA Savings Account Rates Right Now
Ordered by highest APY. The top 50 of 261 products tracked.
The Corner Stone Bank leads at 4.75% APY on its Regular IRAs. The tenth-ranked IRA savings rate is 4.00%, so the top ten span 0.75 points. The leader is 12.8 times the FDIC national average of 0.37%.
The Corner Stone Bank
Regular IRAs
The Corner Stone Bank
Roth IRAs
Farmers and Merchants Bank
IRA
| Institution | Product / Term | APY | Sponsored link |
|---|---|---|---|
| The Corner Stone Bank | Regular IRAs | 4.75% | |
| The Corner Stone Bank | Roth IRAs | 4.75% | |
| Farmers and Merchants Bank | IRA | 4.58% | |
| Lindell Bank & Trust Company | 18-Month Special Variable Rate IRA | 4.52% | |
| Atkins Savings Bank & Trust | IRA Variable Rate | 4.33% | |
| Iowa State Bank | Roth IRA - Variable Rate | 4.22% | |
| Iowa State Bank | Traditional IRA - Variable Rate | 4.22% | |
| Iowa State Bank | Roth IRA - Fixed Rate | 4.06% | |
| Iowa State Bank | Traditional IRA - Fixed Rate | 4.06% | |
| Bread Savings | Retirement High-Yield Savings Account | 4.00% | |
| Northern Interstate Bank, N. A. | Variable Rate IRA | 3.89% | |
| The Citizens Bank of Edmond | Flexible IRA | 3.87% | |
| Bell Bank | IRA Variable Rate Savings | 3.56% | |
| Big Horn Federal Savings Bank | IRA Passbook | 3.56% | |
| First State Bank of Bigfork | IRA Savingsneeds at least $45,000 | Up to3.56% | |
| The Perryton National Bank | Individual Retirement Account | 3.56% | |
| Ergo Bank | Variable Rate IRA | 3.53% | |
| Reliance State Bank | IRA Savingsneeds at least $25,000 | Up to3.53% | |
| Washington State Bank | IRA | 3.50% | |
| First National Bank Of Commerce | IRA (Roth-Variable) | 3.35% | |
| First National Bank Of Commerce | IRA (Traditional-Variable) | 3.35% | |
| Bank of Prague | IRA Savings | 3.29% | |
| Merchants State Bank | Roth IRA | 3.25% | |
| Merchants State Bank | Simplified Employee Pension | 3.25% | |
| Merchants State Bank | Traditional IRA Savings | 3.25% | |
| Peapack Private Bank & Trust | Personal Individual Retirement Accounts IRAs | 3.25% | |
| Midwest Bank | Midwest IRA Savings | 3.15% | |
| The First Central National Bank of St. Paris | Individual Retirement Account | 3.15% | |
| Coleman County State Bank | IRA Savings | 3.04% | |
| Washington Savings Bank | IRA Money Marketneeds at least $100,000 | Up to3.04% | |
| Farmers & Merchants Bank | Roth IRA Variable Rate | 3.03% | |
| Farmers & Merchants Bank | Self Directed IRA Variable Rate | 3.03% | |
| Farmers State Bank | IRA Savings | 3.03% | |
| Bay State Savings Bank | IRA Savings Account | 3.00% | |
| Heartland State Bank | IRA Savings | 3.00% | |
| Adams State Bank | Roth IRA TDOA | 2.92% | |
| Adams State Bank | Traditional IRA TDOA | 2.92% | |
| The Payne County Bank | FDIC Insured Variable IRA | 2.90% | |
| Community State Bank | IRA | 2.78% | |
| Fidelity Bank & Trust | IRA Preferred Rate Savingsneeds at least $50,000 | 2.78% | |
| The First National Bank of Pandora | Variable Rate Retirement Account (IRA) | 2.78% | |
| Madison County Bank | IRA Account | 2.75% | |
| The First National Bank of Okawville | IRA Savings | 2.68% | |
| Kish Bank | IRA Money Market Account | 2.60% | |
| The Citizens Bank of Clovis | IRA Account | 2.53% | |
| Chelsea Savings Bank | IRA | 2.52% | |
| Fidelity Bank & Trust | IRA Savingsneeds at least $50,000 | Up to2.52% | |
| First State Bank | IRA Savings | 2.52% | |
| Henderson State Bank | IRA Savings | 2.52% | |
| DR Bank | IRA Prime Money Market Accountneeds at least $100,000 | Up to2.50% |
IRA Savings Account rate questions
What is the highest IRA savings rate right now?
The Corner Stone Bank advertises 4.75% APY on its Regular IRAs, the highest of 261 active IRA savings accounts tracked on Banksparency.
What is the average IRA savings rate?
The mean of all 261 tracked IRA savings account APYs is 1.29%. It is a plain mean across every tracked product.
How do the top IRA savings rates compare with the FDIC national average?
The ten highest advertised rates run from 4.00% to 4.75% APY, against an FDIC national average of 0.37%. The FDIC national rate cap for savings accounts is 4.38%.
When were these IRA savings 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.