Are you looking for the best 12 month IRA rate? NBRS Financial Bank is offering a 12 month IRA at 2.40%APY. If you are interested in this IRA rate, the bank requires at least $1,000 as minimum opening deposit.
The bank is FDIC insured but note that it may impose a substantial penalty for early withdrawal.
In addition, NBRS Financial Bank offers a 30 month variable IRA at 1.75%APY that only requires a minimum opening deposit of $200. Perfect for rate speculators as the waiting period is only 30 days.