You are viewing fixed rate ira rates across California

California Credit Union IRA CD Rates 2018

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

CA - April 22, 2018

Advertiser Disclosure
BANKS APY Term MIN MILES ?
Keypoint
Restrictions
3.04% 60 $1,000 -
2.75% 32 $50 -
2.65% 60 $1,000 -
Wings Financial
Restrictions
2.63% 60 $90,000 -
Wings Financial
Restrictions
2.57% 60 $10,000 -
Inova
Restrictions
2.55% 30 $50,000 -
Ukrainian
Restrictions
2.52% 60 $500 -
Wings Financial
Restrictions
2.52% 60 $500 -
Scient
Restrictions
2.50% 50 $500 -
Energy One
Restrictions
2.50% 48 $100,000 -
Energy One
Restrictions
2.40% 48 $1,000 -
Meriwest
Restrictions
2.30% 30 $1,000 -
Inova
Restrictions
2.30% 14 $50,000 -
Keypoint
Restrictions
2.27% 24 $1,000 -
Baxter
Restrictions
2.25% 65 $500 -
Ukrainian
Restrictions
2.12% 36 $500 -
Premier America
Restrictions
2.10% 14 $10,000 -
2.09% - $2,000 -
F & A
Restrictions
2.07% - $1,000 -
Sri
Restrictions
2.07% 12 $25,000 -
Alliant
Restrictions
2.05% - $1,000 -
Inova
Restrictions
2.05% 14 $200 -
Safe
Restrictions
2.02% 50 $500 -
Pentagon
Restrictions
2.02% - $1,000 -
2.00% 60 $500 -
Mission
Restrictions
2.00% 20 $2,000 -
Alliance
Restrictions
2.00% 36 $2,500 -
Energy One
Restrictions
2.00% 18 $100,000 -
The Golden 1
Restrictions
2.00% 35 $1,000 -
Kinecta
Restrictions
2.00% 15 $100,000 -
Energy One
Restrictions
1.90% 18 $1,000 -
American Airlines
Restrictions
1.87% - $1,000 -
Ukrainian
Restrictions
1.87% 12 $500 -
Ukrainian
Restrictions
1.86% - $500 -
First Technology
Restrictions
1.85% - $500 -
Unify Financial
Restrictions
1.85% 30 $1,000 -
Chevron
Restrictions
1.80% - $500 -
Baxter
Restrictions
1.80% 18 $500 -
Keypoint
Restrictions
1.76% 12 $1,000 -
1.76% - $1,000 -
1.75% 30 $500 -
1.75% - $500 -
Alliance
Restrictions
1.65% - $500 -
Star One
Restrictions
1.65% - $100 -
Self-help
Restrictions
1.56% - $500 -
San Diego County
Restrictions
1.55% 25 $2,000 -
Mission
Restrictions
1.50% 20 $2,000 -
Energy One
Restrictions
1.50% 7 $100,000 -
Kinecta
Restrictions
1.50% 15 $1,000 -
1.50% - $1 -
Schoolsfirst
Restrictions
1.45% - $500 -
Sri
Restrictions
1.41% - $1,000 -
Ventura County
Restrictions
1.40% - $1,000 -
Technology
Restrictions
1.40% - $1,000 -
Lbs Financial
Restrictions
1.40% - $100 -
Energy One
Restrictions
1.40% 7 $1,000 -
Sun Community
Restrictions
1.36% - $500 -
California
Restrictions
1.30% 25 $10,000 -
1.26% - $1,000 -
Partners
Restrictions
1.25% 12 $1,000 -
San Diego County
Restrictions
1.25% 13 $2,000 -
1.25% 24 $500 -
Meriwest
Restrictions
1.25% 8 $1,000 -
Sce
Restrictions
1.25% - $1,000 -
Ume
Restrictions
1.21% - $2,000 -
Premier America
Restrictions
1.20% - $1,000 -
Orange County's
Restrictions
1.20% - $1,000 -
Energy One
Restrictions
1.20% - $500 -
Keypoint
Restrictions
1.16% - $1,000 -
Alaska Usa
Restrictions
1.15% - $500 -
Wings Financial
Restrictions
1.15% - $500 -
Thinkwise
Restrictions
1.15% - $5 -
Baxter
Restrictions
1.15% - $500 -
Safe
Restrictions
1.11% 15 $500 -
Provident
Restrictions
1.06% - $500 -
1.05% - $1,000 -
Usc
Restrictions
1.05% - $1,000 -
American First
Restrictions
1.01% - $1,000 -
Sandia Laboratory
Restrictions
1.01% - $1,000 -
Stanford
Restrictions
1.01% - $1,000 -
California
Restrictions
1.00% - $1,000 -
Alta Vista
Restrictions
1.00% - $1,000 -
San Mateo
Restrictions
1.00% - $2,000 -
Unify Financial
Restrictions
1.00% - $1,000 -
California Coast
Restrictions
1.00% - $1,000 -
Patelco
Restrictions
1.00% - $500 -
1.00% - $500 -
Wescom Central
Restrictions
0.95% - $500 -
Xceed Financial
Restrictions
0.90% - $500 -
Travis
Restrictions
0.90% - $500 -
0.90% - $500 -
Justice
Restrictions
0.90% - $500 -
Los Angeles
Restrictions
0.90% - $500 -
California Coast
Restrictions
0.85% 18 $90,000 -
0.85% 24 $15,000 -
Kinecta
Restrictions
0.80% - $1,000 -
Schools Financial
Restrictions
0.80% - $500 -
Noble
Restrictions
0.80% - $100 -
Geico
Restrictions
0.80% - $1,000 -
Altura
Restrictions
0.75% - $1,000 -
Kings
Restrictions
0.75% - $500 -
California Coast
Restrictions
0.75% 18 $50,000 -
Inova
Restrictions
0.75% 7 $200 -
0.75% - $1,000 -
0.70% - $1,000 -
Pasadena
Restrictions
0.70% - $1,000 -
Inova
Restrictions
0.70% - $200 -
0.70% - $2,000 -
California Coast
Restrictions
0.65% 18 $10,000 -
0.65% - $100 -
Lafayette
Restrictions
0.65% - $500 -
Sierra Central
Restrictions
0.65% - $500 -
Lassen County
Restrictions
0.65% - $1,000 -
First Imperial
Restrictions
0.60% - $500 -
Uncle
Restrictions
0.60% - $1,500 -
Safe
Restrictions
0.60% - $500 -
Edwards
Restrictions
0.57% - $1,000 -
The Golden 1
Restrictions
0.55% - $25 -
Redwood
Restrictions
0.55% - $1,000 -
0.55% - $1,000 -
0.55% - $500 -
Merco
Restrictions
0.55% - $2,500 -
Altaone
Restrictions
0.50% - $500 -
0.50% - $500 -
Eagle Community
Restrictions
0.50% - $2,000 -
Logix
Restrictions
0.50% - $1,000 -
Coasthills
Restrictions
0.50% - $500 -
California Coast
Restrictions
0.50% 18 $1,000 -
Pacific Marine
Restrictions
0.50% - $1,000 -
0.50% - $500 -
Premier One
Restrictions
0.50% - $1,000 -
Rancho
Restrictions
0.48% - $1,000 -
Smw 104
Restrictions
0.45% - $1,000 -
0.45% - $1,000 -
Point Loma
Restrictions
0.41% - $1,000 -
0.40% - $2,000 -
First California
Restrictions
0.40% - $2,500 -
Scient
Restrictions
0.40% - $500 -
Silverado
Restrictions
0.40% - $1,000 -
Central State
Restrictions
0.40% - $1,000 -
Desert Valleys
Restrictions
0.35% - $1,000 -
Kern Schools
Restrictions
0.35% - $100 -
San Diego County
Restrictions
0.35% - $2,000 -
Bay
Restrictions
0.35% - $1,000 -
Menlo Survey
Restrictions
0.35% - $500 -
Arrowhead Central
Restrictions
0.35% - $1,000 -
Kern
Restrictions
0.35% - $1,000 -
Mission
Restrictions
0.35% - $2,000 -
0.35% - $1,000 -
Lassen County
Restrictions
0.35% 3 $1,000 -
Valley First
Restrictions
0.33% - $1,000 -
Burbank City
Restrictions
0.30% - $1,000 -
Premier Community
Restrictions
0.30% - $500 -
0.30% - $1,000 -
0.30% - $100 -
0.25% - $100 -
0.25% - $2,000 -
Fme
Restrictions
0.25% - $500 -
0.25% - $25 -
Partners 1st
Restrictions
0.23% - $500 -
Mokelumne
Restrictions
0.20% - $1,500 -
Clearpath
Restrictions
0.20% - $500 -
United Local
Restrictions
0.20% - $2,000 -
Tucoemas
Restrictions
0.15% - $500 -
Monterey
Restrictions
0.15% - $1,000 -
Meriwest
Restrictions
0.15% - $1,000 -
La Financial
Restrictions
0.10% - $1,000 -
Pacific Crest
Restrictions
0.10% - $1,000 -
Mocse
Restrictions
0.02% - $100 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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