Individual retirement accounts CDs with a decent yield are hard to find. Here are three of the best:
Top IRA CD Rates for 12 Month Term
| Bank or Credit Union | APY | Minimum Deposit | Term |
| Melrose Credit Union | 1.10% | $4,000 | 12 Months |
| Discover Bank | 0.90% | $2,500 | 12 Months |
Top IRA CD Rates for 24 Month Term
| Bank or Credit Union | APY | Min. Deposit | Term |
| Melrose Credit Union | 1.36% | $4,000 | 24 Months |
| Avidia Bank | 1.31% | $500 | 24 Months |
Top IRA CD Rates for 36 Month Term
| Bank or Credit Union | APY | Min. Deposit | Term |
| Melrose Credit Union | 1.86% | $4,000 | 36 Months |
| Avidia Bank | 1.77% | $500 | 36 Months |
Top IRA CD Rates for 60 Month Term
| Bank or Credit Union | APY | Min. Deposit | Term |
| Melrose Credit Union | 2.07% | $4,000 | 60 Months |
| Avidia Bank | 1.92% | $500 | 60 Months |
As you can see Melrose takes the clear lead for all CD terms. Melrose Credit Union can be joined by anyone anywhere in the United States. There are no membership restrictions; you just have to pay a one time fee of $1 to join.
You can see Melrose’s CD rate page here.
Compare these rates with other banks on our cd rates page.
