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The safest place to put your retirement funds is in low-risk investments and savings options with guaranteed growth. Low-risk investments and savings options include fixed annuities, savings accounts, CDs, treasury securities, and money market accounts. Of these, fixed annuities usually provide the best interest rates.
For those with a moderate amount of assets, Wells Fargo is an excellent choice. Their WellsTrade IRA (or brokerage) offers 100 free trades a year fee free if you maintain over $25k/$50k (states vary) with a PMA checking.
Bankrates picks for best IRA CD rates Discover Bank: 2.00%-4.00% APY (3 months-10 years); $0 minimum deposit. Citibank: 0.05%-4.40% APY (3 months-5 years); $250 minimum deposit. Ally Bank: 2.90%-4.05% APY (3 months-5 years); $0 minimum deposit.
Fidelity IRA: Best for Retirement Savings. Ellevest IRA: Best for Financial Advisors. Betterment IRA: Best Robo-Advisor. SoFi IRA: Best for Low Fees. Vanguard IRA: Best for Experienced Investors. Rosland Capital IRA: Best for Gold and Precious Metals.
Best IRA CD Rates Consumers Credit Union IRA CDs: 0.50% to 4.55% APY. Credit Human IRA CDs: up to 4.55% APY. Citi IRA CD: 0.05% to 4.40% APY. NASA Federal Credit Union IRA CD: 4.00% to 4.39% APY. America First Credit Union IRA Certificate: 4.10% to 4.35% APY. Quorum Federal Credit Union IRA Term Savings: 2.20% to 4.35% APY.
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Wells Fargo Destination IRA Rates: FDIC-Insured CDs and Savings Accounts Term. 7 months. Special Interest Rate. 3.92% Annual Percentage Yield (APY)Opens Dialog. Term. 11 months. Special Interest Rate. 3.68% Annual Percentage Yield (APY)Opens Dialog. Term. 18 months. Special Interest Rate. 3.44%

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