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• Bank of Commerce IRA Rates

  One of the products offered by Bank of Commerce online banking center is an IRA account. It offers up to 6 terms IRA from 12 months to 48 months.  Bank of Commerce IRA rates below are current as of April 1, 2009.

  • 12 month IRA – 1.85%APY
  • 18 month IRA – 2.00%APY
  • 24 month IRA – 2.25%APY
  • 36 month IRA – 2.50%APY
  • 48 month IRA – 2.50%APY
  • 60 month IRA – 2.50%APY

  Payment of IRA earnings are made quarterly. Bank of Commerce, based in Duncan, Oklahoma is insured with FDIC.

  Update 1: Bank of Commerce IRA Rates effective June 16, 2009

  • 12 month IRA – 1.60%APY. Rate is down by 0.25%APY.
  • 18 month IRA – 2.00%APY
  • 24 month IRA – 2.25%APY
  • 36 month IRA – 2.50%APY
  • 48 month IRA – 2.50%APY
  • 60 month IRA – 2.50%APY
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• USAA Bank IRA CD Rates

  USAA Bank offers IRA CD accounts with very competitive rates. The highest APY is a Super Jumbo 7 year IRA CD at 3.66% which requires a minimum deposit of $175,000 and above. Interested investors with available investment funds of between $95,000-$174,999 can choose a Jumbo 7 year IRA CD at 3.40%APY or a 7 year Standard IRA CD at 3.35%APY which requires at least $250 minimum initial deposit for IRA CD and $1,000 minimum initial deposit for Standard CD.

  USAA which stands for United Services Automobile Association is a product of 25 Army officers who decided to insure each other’s vehicles. It started in 1922 as a tiny organization but now serves about 6.8 million members.

  Update effective  October 23, 2009: USAA Bank 7 year IRA CD rate is up.

  • Super Jumbo IRA CD Rates (deposits of $175,000 and over)

  1. 1 year – 1.86%APY
  2. 2 years – 2.56%APY
  3. 3 years – 2.81%APY
  4. 4 years – 3.15%APY
  5. 5 years – 3.72%APY
  6. 7 years – 3.92%APY

  • Jumbo IRA CD Rates (deposits of $95,000 -$174,999)

  1. 1 year – 1.60%APY
  2. 2 years – 2.30%APY
  3. 3 years – 2.55%APY
  4. 4 years – 2.90%APY
  5. 5 years – 3.46%APY
  6. 7 years – 3.66%APY

  • Standard IRA CD Rates (deposits of $250 – $94,999)

  1. 1 year – 1.55%APY
  2. 2 years – 2.25%APY
  3. 3 years – 2.50%APY
  4. 4 years – 2.85%APY
  5. 5 years – 3.41%APY
  6. 7 years – 3.61%APY

  Update January 1, 2010: USAA Bank 7 year IRA CD (Super Jumbo, Jumbo and Standard) rates are up while its 3 year IRA CD rates remain the same.

  • Super Jumbo IRA CD Rates (deposits of $175,000 and over)

  1. 1 year – 1.70%APY
  2. 2 years – 2.51%APY
  3. 3 years – 2.81%APY
  4. 4 years – 3.06%APY
  5. 5 years – 3.32%APY
  6. 7 years – 4.16%APY

  • Jumbo IRA CD Rates (deposits of $95,000 -$174,999)

  1. 1 year – 1.45%APY
  2. 2 years – 2.25%APY
  3. 3 years – 2.55%APY
  4. 4 years – 2.81%APY
  5. 5 years – 3.06%APY
  6. 7 years – 3.90%APY

  • Standard IRA CD Rates (deposits of $250 – $94,999)

  1. 1 year – 1.40%APY
  2. 2 years – 2.20%APY
  3. 3 years – 2.50%APY
  4. 4 years – 2.75%APY
  5. 5 years – 3.01%APY
  6. 7 years – 3.85%APY

  Update February 21, 2010:

  • Super Jumbo IRA CD Rates (deposits of $175,000 and over)

  1. 1 year – 1.70%APY
  2. 2 years – 2.36%APY
  3. 3 years – 2.81%APY
  4. 4 years – 3.06%APY
  5. 5 years – 3.46%APY. APY is up by 0.14%.
  6. 7 years – 4.06%APY

  • Jumbo IRA CD Rates (deposits of $95,000 -$174,999)

  1. 1 year – 1.45%APY
  2. 2 years – 2.10%APY
  3. 3 years – 2.55%APY
  4. 4 years – 2.81%APY
  5. 5 years – 3.21%APY. APY is up by 0.15%.
  6. 7 years – 3.80%APY

  • Standard IRA CD Rates (deposits of $250 – $94,999)

  1. 1 year – 1.40%APY
  2. 2 years – 2.05%APY
  3. 3 years – 2.50%APY
  4. 4 years – 2.75%APY
  5. 5 years – 3.15%APY. APY is up by 0.14%.
  6. 7 years – 3.75%APY

  Click to view USAA latest IRA CD rates.

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