Best 2015 IRA Promotions

A New Year means makes now the best time for investors to add money to an existing IRA account. If you currently don’t have one, you might want to consider opening a new account to take advantage of the tax benefits. Whether you are doing a rollover IRA or creating a new IRA account, the money can be used to supplement other retirement options. We’ve done the research and gathered up the best IRA investment promotions for you.

The contribution limit for IRA accounts in 2015 is $5,500.
If you’re older than 50 years old, it’s $6,500.

There are many options out there, and this list is in no particular order. We’ve included traditional discount brokers, but also alternative investments. For taxable account offers, check out our latest stock broker promotions.

E*TRADE IRA – Get up to $2,500 and 60-days of Free Trades

Get up to $600 with E*TRADE’s no annual fee and no minimum traditional IRA. Plus 60 days of free trades for deposits of $10,000 or more.

This offer is available only to new IRA accounts, which can be a rollover IRA, traditional IRA, or Roth IRA. The deposit cannot come from an existing E*TRADE account. This promotion will expire on December 31st, 2015.

In order to receive the cash credit, you must make a deposit within 45 days of opening the account. For more terms and conditions about this E*TRADE promo, visit their website.

Open AccountCash BonusFree Trades
$1,000,000 or more$2,50060 Days
$500,000 – $999,999$1,20060 Days
$250,000 – $499,999$60060 Days
$100,000 – $249,999$30060 Days
$25,000 – $99,999$20060 Days
$10,000 – $24,999N/A60 Days

Motif Investing IRA – $150 Transfer Promotion

Transfer $5,000 or more to a new Motif Investing account and get a $150 bonus. You must transfer the funds within 30 days of opening the account. This offer ends December 31st, 2015. To find out more about Motif Investing read our review.

TD Ameritrade IRA – Get Up to $600

Get up to $600 and trade free for 60 days. To qualify, you must transfer from an existing IRA account with another brokerage. The dollar amount bonus and transfer amount is listed below and must transfer within 60 days of opening your account.

The cash bonus is available if you deposit these amounts:

Open AccountCash Bonus
$250,000 or more$600
$100,000 – $249,999$300
$25,000 – $99,999$100

Wealthfront – Manage $15,000 for Free

To find out more about them, we’ve recently reviewed Wealthfront. They too are a popular robo-advisor. They just passed $2,000,000,000 in managed assets. This offer is not only available for tax-deferred accounts but taxable accounts as well. This promotion is $5,000 more than their standard offer.

The terms are really simple. You can either transfer an existing 401(k) or IRA for this promotion. You can also deposit cash, but need to at least deposit Wealthfront’s minimum account size of $5,000.

Betterment – Up to 6 Months Free

Betterment is a great service, and making waves as an upcoming robo advisor. And you can now try out their service and get up to 6 months commission free.
In order to qualify for this promotion, you need to deposit at least $5,000 into a new account, within 90 days of opening it. Depending on how much money you deposit in the account, will determine your bonus.

Open AccountCommission Free
$100,000 or more6 Months
$25,000 – $99,9994 Months
$5,000 – $24,9993 Months

Betterment SEP IRA – Up to One Year Free (New)

Small business owners rejoice! Betterment now offers SEP IRA accounts. To celebrate this new feature, Betterment is offering up to one year free with their robo-advisor service.

In order to qualify for this promotion, you need to deposit at least $25,000 into a new account, within 30 days. Depending on how much money you deposit in the account, will determine your bonus. This offer is available for new and existing customers of Betterment.

Open AccountCommission Free
$500,000 or more12 Months
$100,000 – $499,9996 Months
$25,000 – $99,9994 Months

TradeKing No-Fee IRA

TradeKing low ($4.95 a stock trade) commission fees. Combined with the tax deferment of an IRA, the low commission rates is a perfect way to come out ahead with your investments. Unlike many other discount brokers, TradeKing allows some option strategies in their IRA accounts. If transferring from an existing brokerage, you can get reimbursed up to $150.

Lending Club IRA

Open up a no fee IRA account with Lending Club. Peer-to-peer Lending Club members have averaged 9.64% annualized returns. In my taxable Lending Club account, I’ve personally averaged over 10.50% for the past three years. Lending Club is an alternative to other fixed income investments with low annual returns. For details on the terms, click on the link below. Lending Club profits are taxed as ordinary income, and you are best to open a tax deferred IRA account.

Discover Bank IRA CD

Open a Discover Bank traditional or Roth IRA CD. There’s no monthly maintenance fees and guaranteed returns via FDIC insurance. Open an account with as little as $2,500. Terms are from 3 months to 10 years with competitive CD rates.


Open a USAA IRA brokerage account. Trades are as low as $5.95. In order to qualify, you or a family member must have been an active service member in the US military.