If you’re searching for the best IRA CD rates, the top offers right now reach 4.1% APY for a 12-month term, with several other IRA CD options still at 4% APY or higher. Institution APY Term What To Know GECU 4.1% 12 months Highest rate listed on the current GBR page; verify IRA-specific opening requirements before funding Power Financial Credit Union 4.06% 11/11 months New money only and $50,000 minimum deposit USALLIANCE Financial 4.05% 12 months $500 minimum deposit CommunityWide Federal Credit Union 4% 12 months $1,000 minimum deposit Velocity Credit Union 4% 1 year $1,000 minimum deposit The key takeaway is simple: the best IRA CD rates are still clustered around short-term certificates, especially one-year offers. Feature IRA CD Regular CD Tax treatment Depends on traditional vs.