Best IRA CD Rates

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  • MidWest BankCentre, serving St. Louis since 1906, is offering special IRA products with highly competitive rates. These special IRA products are:

    1. Escalator IRA CD – 2.90%APY
    2. IRA Accumulator CD that requires daily balances up to $24,999.99 – 1.15%APY
    3. IRA Accumulator CD that requires daily balances of $25,000 to $49,999.99 – 1.25%APY
    4. IRA Accumulator CD that requires daily balances of $50,000 and above – 1.25%APY

    A variable rate IRA CD is also being offered but the APY is very low at 0.59%.

    The above IRA CD rates are effective October 20, 2009. Midwest BankCentre has eight locations in Missouri.

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  • Independent Bank is offering IRA CD products.  There are only three IRA CD terms offered so far and the interest rates and APYs vary depending on your account balance.

    IRA CD with $1,000 minimum balance

    • 1 year IRA CD – 1.50%APY
    • 18 month IRA CD – 1.75%APY
    • 3 year IRA CD – 2.20%APY

    IRA CD with $100,000 minimum balance

    • 1 year IRA CD – 1.50%APY
    • 18 month IRA CD – 1.75%APY
    • 3 year IRA CD – 2.20%APY

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  • Below IRA CD Rates offered by California First National Bank are very competitive:

    • 3 month – 1.00%APY
    • 6 month – 1.30%APY
    • 1 year or 12 month – 1.60%APY
    • 2 year – 1.90%APY
    • 3 year – 2.40%APY

    Minimum deposit required to open an IRA CD with CalFist Bank is $2,000. You must also maintain the same amount  to obtain the above APY. Note that a penalty may be imposed for early withdrawal which could reduce your earnings.

    CalFirst Bank IRA CD rates shown above are current as of August 7, 2009 but may change without notice.

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