Bank of Internet has some competitive CD rates along with very flexible maturity terms ranging from 1 month to 5 years. While their CD rates used to be higher, they are currently competitive, with a 5.11% APY. Their CDs features:

• $1000 minimum to open
• No fees
• Compounded Daily
• Paid Monthly, Into Account, By Check or Wired to Your Checking Account
• Certificate accounts can be opened up to a maximum of $100,000

Bank of Internet doesn’t have IRA CDs. They seem very flexible with their CDs; you can also email customerservice@BankofInternet.com with your desired term, if it is not found on the table, and they will provide you with an interest yield. Visit their rates page for more information.