Best IRA and Roth IRA Promotions for Last-Minute Filers

Didn’t get your IRA or Roth IRA contribution in for 2015? Good news: There’s still time. The IRS allows contributions for the previous year until the next year’s tax filing deadline, which means IRA contributions for 2015 can be made until April 18, 2016.

Better still, many IRA account providers are offering promotions to entice you in the door. Here are NerdWallet’s picks for the best IRA promotions right now, whether you’re funding an account for the first time or looking to transfer your existing IRA account to a new online broker.

All of these promotions come from our top IRA providers, which means we’d recommend these companies even without a new customer promotion.

Best IRA promotions for free trading

If you’re looking to trade within your IRA, these brokers have commission-free introductory offers.

• Provides low commissions and superior trading tools, particularly for options traders. See our OptionsHouse review.
• Commission: $4.95 per trade
• Account minimum: $0
• Promotion: $1,000 in free trade commissions

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• Competitive commissions on stock trades and no account minimum. See our TradeKing review.
• Commission: $4.95 per trade
• Account minimum: $0
• Promotion: $1,000 in free trade commissions

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Best IRA promotions for free investment management

These robo-advisors offer free investment management with low minimum deposit requirements.

• Ideal for clients with account balances of $100,000 or more due to its low fees. See our Betterment review.
• Management fee: 0.15% to 0.35% depending on account balance
• Account minimum: $0
• Promotion: Up to six months of free management

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• Manages the first $10,000 invested completely free. See our Wealthfront review.
• Management fee: 0.25%
• Account minimum: $500
• Promotion: NerdWallet readers get $15,000 managed for free.

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Best IRA promotions for account rollovers

If you can roll over an existing IRA, you’ll benefit from these broker promotions.

• Offers more than 3,400 no-transaction-fee mutual funds and 85 commission-free ETFs. See our Fidelity review.
• Commission: $7.95 per trade
• Account minimum: $0 for IRAs
• Promotion: Get up to a 10% IRA match on future contributions with qualifying rollover.

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• Offers more than 100 commission-free ETFs and more than 2,000 no-transaction-fee mutual funds with no account minimum. See our TD Ameritrade review.
• Commission: $9.99 per trade
• Account minimum: $0
• Promotion: Up to $600 cash bonus with qualifying rollover

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Arielle O’Shea is a staff writer at NerdWallet, a personal finance website. Email: aoshea@nerdwallet.com. Twitter: @arioshea.