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• 12 month bank IRA Rates in California January 2010

  While credit unions offer better rates on IRA Accounts, IRA rates are still pretty low at this time.  However, you can still find banks offering good IRA rates in California with a little bit of research. Let’s take a look at some of these banks in California. We will focus on the 12 month IRA rate as you may not want to tie down your money on a long term IRA account so as not to miss an opportunity once banks decide to increase their rate offers.

  Below are 12 month bank IRA rates offered by some banks in California:

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• NIH Federal Credit Union 7 month IRA 3.00%APY

  Credit unions still offer the best IRA rates. Take for example the NIH Federal Credit Union which, as of November 9, 2009, offers very competitive 7 month IRAs.

  Depending on the amount of your minimum deposit, you could earn as much as 3.00%APY. For a 7 month term IRA, NIH Federal Credit Union offers the following IRA rates:

  • 7 month (minimum balance of $500) – 1.55%APY
  • 7 month (minimum balance of $10,000) – 1.95%APY
  • 7 month (minimum balance of $10,000 with direct deposit) – 3.00%APY
  • 7 month (minimum balance of $10,000 without direct deposit) – 2.75%APY

  NIH Federal Credit Union has locations in Maryland, the District of Columbia and Virginia. It is a non-profit cooperative offering membership shares in the form of savings deposits.

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• Golf Savings Bank IRA Rates

  Golf Savings Bank offers competitive IRA rates including Traditional and ROTH IRAs for transfer or rollover. Sometime in 2009, Golf Savings Bank offered a 4 year IRA account at 3.40%APY, its highest IRA rate offer before the year ends.

  As of January 15, 2009, the 4 year IRA rate is down to only 2.65%APY. This is quite a big drop but there is hope as most economists expect the Federal Reserve will stop driving interest rates to record lows sometime this year with June often mentioned as a good month for the turnaround.

  According to its rate sheet, Golf Savings Bank rate on IRA accounts including Traditional and ROTH IRAs as of January 15, 2009 are as follows:

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