Dedicated to Deposits: Deals, Data, and Discussion
Featured 2-Year CD Rates
Featured Accounts

3 Year IRA Rates in Idaho

Compare three year fixed IRA rates available in Idaho. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 36 month IRA rates available in Idaho. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page.

Customize your search to find the best account for you
Deposit Amount | $1 $100,000
Currently Including:
116
RESULTS

Results

Connexus Credit Union36 Month IRA Certificate With Active Checking (Traditional,CESA,Roth)14 Reviews1.75%$10k-$1,336
DETAILS
Melrose Credit Union3 Year Share IRA Certificate (Traditional,Roth,CESA)15 Reviews1.66%$4k-$1,266
DETAILS
EverBank3 Year Yield Pledge IRA (Traditional,Roth)13 Reviews1.45%$1,500-$1,103
DETAILS
Northern Bank & Trust Company36 Month IRA (Traditional,Roth,CESA,SEP)1.40%$500-$1,068
DETAILS
Lake Michigan Credit Union36 Month VIP IRA CD35 Reviews1.35%$500-$1,029
DETAILS
CIT Bank3 Year IRA (Traditional,Roth)47 Reviews1.35%$1k-$1,026
DETAILS
Digital Credit Union36 - 47 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews1.35%$500-$1,018
DETAILS
Andrews Federal Credit Union36 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews1.31%$1k-$998
DETAILS
Patriot Bank36 Month IRA4 Reviews1.30%$1k-$990
DETAILS
State Farm Bank36 Month IRA (Traditional,Roth)14 Reviews1.30%--$990
DETAILS
Synchrony Bank36 Month IRA CD (Traditional,Roth)10 Reviews1.30%$25k-$990
DETAILS
Potlatch No 1 Credit Union36 Month IRA Certificate (Traditional,Roth)2 Reviews1.30%$500-$990
DETAILS
Northrop Grumman Federal Credit Union3 Year Term IRA (Traditional,Roth,CESA)1.29%$2k-$980
DETAILS
Belvoir Federal Credit Union36 Month IRA Share Certificate1 Review1.25%$1k-$952
DETAILS
Discover Bank3 Year IRA (Traditional,Roth)27 Reviews1.25%$2,500-$949
DETAILS
Affinity Credit Union36 Month IRA Certificate5 Reviews1.25%$500-$949
DETAILS
Numerica Credit Union36 - 47 Month IRA (Traditional,Roth,CESA)7 Reviews1.25%$500-$941
DETAILS
Alliant Credit Union36 - 47 Month Roth IRA13 Reviews1.25%$1k-$941
DETAILS
Sandia Laboratory Credit Union36 Month IRA (Traditional,Roth,CESA)1.21%$1k-$921
DETAILS
Nationwide Bank36 Month IRA (Traditional,Roth)9 Reviews1.21%$500-$921
DETAILS
Silvergate Bank3 Years IRA1.21%$25k$225k$919
DETAILS
First Internet Bank of IN36 Month IRA (Traditional,Roth,CESA)1 Review1.20%--$913
DETAILS
Geauga Savings Bank36 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review1.20%--$913
DETAILS
Communitywide Credit Union36 Month IRA Share Certificate1.20%$2k-$913
DETAILS
Hudson City Savings Bank3 Year Internet IRA (Traditional,Roth,SEP,CESA,SIMPLE)11 Reviews1.20%$5k-$911
DETAILS
Northwest Federal Credit Union3 Year IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews1.20%$25k-$911
DETAILS
Ally BankIRA High Yield 3-Year CD (Traditional,Roth,SEP)111 Reviews1.20%--$911
DETAILS
Spokane Teachers Credit Union36-48 Month IRA Certificate (Traditional,Roth,SEP)1.16%$2k-$873
DETAILS
Security Bank (OK)36 Month IRA (Traditional,Roth)1.15%$2k-$875
DETAILS
AloStar Bank of Commerce36 Month IRA3 Reviews1.15%$1k-$875
DETAILS
Air Force Federal Credit Union3 Year IRA (Traditional,Roth,CESA)1.15%$1k-$872
DETAILS
OneUnited BankUNITY 3 Year IRA CD1 Review1.15%$1k-$872
DETAILS
Eli Lilly Credit Union34 Month CESA (w/ new money)1.15%$1k-$825
DETAILS
Regions Bank40 Month Fixed Rate IRA Special (w/ Regions Checking) (Traditional,Roth,CESA)42 Reviews1.10%$250-$931
DETAILS
Astera Credit Union3 Year IRA (Traditional,Roth,CESA)2 Reviews1.10%$500-$834
DETAILS
Salem Five36 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.10%$2k-$834
DETAILS
Global Credit Union36 Month IRA (Traditional,Roth)4 Reviews1.01%$5k-$767
DETAILS
Self-Help Credit Union36 Month IRA (Traditional,Roth,CESA)3 Reviews1.01%--$767
DETAILS
SunTrust Bank30 Month Banker Special Promotional IRA (Traditional,Roth,SEP,SIMPLE)28 Reviews1.01%$2k-$638
DETAILS
First Technology Federal Credit Union36 Month IRA (Traditional,Roth,CESA)10 Reviews1.00%$500-$760
DETAILS

Displaying 1-40 of 116 Results



3 Year IRA Rate Trend

3-Year IRA CD

3-Year IRA CDs are time deposits made by investors to a financial institution that have certain restrictions that govern their use. The federal government guarantees deposits up to $250,000 per individual, per FDIC or NCUA-insured institution. Investing in 3 Year CDs is a secure way to grow savings at a higher rate of interest than typical savings accounts.

What is an IRA CD?

An IRA CD is a retirement account that uses a fixed-time investment instrument to increase earnings. The IRA component means tax liabilities (and advantages!), and the CD is the underlying investment that grows the account at a fixed rate. One advantage of the IRA CD, as opposed to the standard IRA Savings account, is that banks and credit unions will usually not charge a monthly management fee. A brokered CD also charges a fee, so be sure to read the fine print if you go that route.

Moving IRA CD Proceeds

As long as you move your IRA CD proceeds to another IRA vehicle after the CD’s maturity, you can continue to defer taxes on earnings. The 3-Year IRA CD is on the longer side of available investments, so you should evaluate if and when you will need the funds so as to avoid incurring early withdrawal penalties. The Traditional IRA CD allows you to write off yearly contributions from your income, and the Roth IRA CD allows you to freely withdraw any of your contributions for any reason, as they are post-tax dollars.