north central Iowa, Hampton | sounds like you've got them in CD's or something and I'm used to using mutual funds--so take that with a grain of salt
The institution that holds the IRA is called the "Custodian" that custodian can be a bank, a mutual fund company, or a broker. If your IRA accounts are at different custodians and you want to combine them, pick the custodian you want to hold all the funds. Ask them to start a "custodian to custodian" transfer. It's not difficult and companies in that business know how to do it.
The key is that you want your money to move without it ever being cashed out and sent to you.
The sending custodian creates a check, or electronic transfer to the receiving custodian which is made out as, "For the Benefit of" (FBO) Bob Smith IRA, $xxx.
Doing a transfer makes sure the tax status of the money does not change.
Do not tell a custodian to "cash it out and send it to me" you'll owe taxes and penalties on the cashed out amount!
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IRA's - Can they be combined to gain more interest return ?
