Best 2015 IRA Promotions

The New Year is here, which 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 2014 and 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.

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E*TRADE IRA – Get up to $600

Get up to $600 with E*TRADE’s no annual fee and no minimum traditional IRA. Save on transaction fees by selecting one of E*TRADE’s 80 commission-free ETFs. 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.

  • Fund $250,000 or more you will receive $600
  • Fund between $100,000 and $249,999 you will receive $300
  • Fund between $25,000 and $99,999 you will receive $200

For more terms and conditions about this E*TRADE promo, visit their web site.

TD Ameritrade IRA Promotion

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 with 60 days of opening your account.

The cash bonus is available if you deposit these amounts:

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

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, 2014. To find out more about Motif Investing read our review.

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 Account Commission Free
$5,000 – $24,999 3 Months
$25,000 – $99,999 4 Months
$100,000 or more 6 Months

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 differed IRA account.

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.

optionsXpress IRA

optionXpress, who was acquired by Charles Schwab, offers a no minimum balance IRA. You can trade any type of limited-risk options including covered calls, debit & credit spreads, and cash secured short puts trade your Roth, Traditional, Rollover, SIMPLE, or SEP IRA.

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.