3 Year IRA Rates
Compare rates on 3 year IRAs from banks and credit unions. Use the filter box below to customize your results. You can sort by each column below or select another product to compare rates.
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Start SavingCIT Bank 3 Year Term IRA CDAPY 1.21% Min $1k Max N/A Earnings Est. $367
Sponsored Note: Start today to secure your future.Start SavingAlly Bank IRA High Yield 3-Year CDAPY 1.19% Min N/A Max N/A Earnings Est. $361
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Open and fund with any amount. Member FDIC.
Sponsored Note: Start today to secure your future.Start SavingAlly Bank IRA High Yield 3-Year CDAPY 1.19% Min N/A Max N/A Earnings Est. $361Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Open and fund with any amount. Member FDIC.
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Connexus Credit Union | 1.75% | $10k | - | $534 | 36 Month IRA Certificate With Active Checking | |
| HEW Credit Union | 1.51% | $2k | - | $461 | 36 Month Roth IRA | |
| Andrews Federal Credit Union | 1.41% | $1k | - | $430 | 36 Month IRA Certificate | |
| Virginia Heritage Bank | 1.40% | $500 | - | $427 | 36 Month IRA | |
| Melrose Credit Union | 1.36% | $4k | - | $414 | 3 Year Share Roth IRA Certificate | |
| Digital Credit Union | 1.35% | $500 | - | $412 | 36 - 47 Month IRA Certificate - Relationship Rate | |
| State Department Federal Credit Union | 1.26% | $500 | - | $384 | 36 Month IRA Certificate | |
| Salem Five | 1.25% | $2k | - | $380 | 36 Month IRA Special | |
| Alliant Credit Union | 1.25% | $1k | - | $381 | 36 - 47 Month Traditional IRA | |
| CIT Bank | 1.21% | $1k | - | $367 | 3 Year Term IRA CD | |
| Start SavingSponsored Note: Start today to secure your future. | ||||||
| Nationwide Bank | 1.21%* | $500 | - | $368 | 36 Month Roth IRA | |
| Sandia Laboratory Credit Union | 1.21%* | $1k | - | $368 | 36 Month IRA | |
| Discover Bank | 1.20% | $2,500 | - | $364 | 3 Year IRA | |
| Intervest National Bank | 1.20% | $1k | - | $364 | 3 Year Roth IRA | |
| Justice Federal Credit Union | 1.20%* | $500 | - | $365 | 36 Month IRA Certificate w/ JNA Relationship | |
| Quantum National Bank | 1.20% | $1k | - | $365 | 36 Month Relationship IRA | |
| Ally Bank | 1.19% | - | - | $361 | IRA High Yield 3-Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Open and fund with any amount. Member FDIC. | ||||||
| First Savings Bank Northwest | 1.17%* | $5k | - | $356 | 36 Month IRA | |
| John Marshall Bank | 1.16% | $500 | - | $352 | 3 Year IRA | |
| First Virginia Community Bank | 1.15% | $1k | - | $349 | 36 Month IRA | |
| AloStar Bank of Commerce | 1.15% | $1k | - | $350 | 36 Month IRA | |
| Northwest Federal Credit Union | 1.14%* | $2,500 | - | $346 | 3 Year Roth IRA Certificate | |
| Millennium Bank, National Association | 1.11% | $1k | - | $337 | 3 Year IRA | |
| New Horizon Bank, National Association | 1.11% | $500 | - | $338 | 36 Month IRA | |
| Dupont Community Credit Union | 1.11% | $1k | - | $337 | 3 Year IRA | |
| Belvoir Federal Credit Union | 1.11% | $1k | - | $338 | 36 Month IRA Share Certificate | |
| First Internet Bank of IN | 1.10% | - | - | $335 | 36 Month IRA | |
| Hudson City Savings Bank | 1.10%† | $500 | - | $334 | 3 Year IRA | |
| Member One Credit Union | 1.10% | $1k | - | $334 | 3 Year IRA | |
| EverBank | 1.05% | $1,500 | - | $265 | 2.5 Year Yield Pledge IRA | |
| Start SavingSponsored Note: High yields, and greater convenience at EverBank. | ||||||
| Air Force Federal Credit Union | 1.05%* | $1k | - | $318 | 3 Year IRA | |
| Nma Credit Union | 1.05% | $10k | - | $319 | 36 Month IRA Certificate | |
| Virginia Partners Bank | 1.05% | $1k | - | $319 | 36 Month IRA | |
| OneUnited Bank | 1.05% | $1k | - | $318 | UNITY 3 Year IRA CD | |
| Northrop Grumman Federal Credit Union | 1.01% | $2k | - | $306 | 3 Year Term Roth IRA | |
| Self-Help Credit Union | 1.01% | - | - | $307 | 36 Month IRA | |
| Geauga Savings Bank | 1.00% | - | - | $253 | 30 Month Roth IRA | |
| NARFE Premier Federal Credit Union | 1.00% | $1k | - | $303 | 3 Year Roth IRA Step Up Certificate | |
| Stillwater National Bank | 1.00%† | $10k | - | $304 | 36 Month IRA | |
| The Business Bank | 1.00% | - | $100k | $304 | 36 Month IRA | |
| Pen Air Credit Union | 1.00% | $500 | - | $304 | 36 Month Step-Up IRA | |
| Mcgraw Hill Credit Union | 1.00% | $10k | - | $304 | 36 Month IRA | |
| Argent Credit Union | 1.00% | $500 | - | $304 | 36 Month IRA Certificate | |
| NSWC Credit Union | 1.00% | $500 | - | $303 | 3-Year IRA Share Certificate | |
| The Richmond Postal Credit Union In | 1.00% | $500 | - | $304 | 36 Month IRA | |
| Xceed Financial Credit Union | 1.00% | $500 | - | $304 | 36 Month IRA | |
| Fulton Bank, National Association | 1.00%† | $500 | - | $304 | 36 Month Relationship IRA | |
| Bayport Credit Union | 1.00% | $500 | - | $329 | 39 Months Premier CESA Special | |
| Virginia Commerce Bank | 1.00% | $100 | - | $303 | 36 Month Step-Up IRA | |
| Giantbank.com | 1.00% | $1k | - | $304 | 36 Month Giant IRA | |
| Lake Michigan Credit Union | 1.00% | $500 | - | $253 | 30 Month VIP IRA | |
| Marine Federal Credit Union | 1.00% | $500 | - | $304 | 36 Month Traditional IRA | |
| Bank of Georgetown | 0.95% | $1k | - | $288 | 3 Year IRA | |
| Mountain America Credit Union | 0.95% | $500 | - | $289 | 36 Month Roth IRA | |
| OneWest Bank | 0.95% | $1k | - | $288 | 3 Year Roth IRA | |
| Appalachian Community Credit Union | 0.95% | $1k | - | $289 | 36 Month IRA Certificate | |
| Commonwealth One Credit Union | 0.95% | $1k | - | $289 | 36 Month IRA Certificate | |
| The Bank of Fincastle | 0.95% | $100 | - | $289 | 36 Month IRA | |
| Peoples Advantage Credit Union | 0.95% | $1k | - | $289 | 36 Month IRA | |
| United Southeast Credit Union | 0.95% | $500 | - | $289 | 36 Month IRA | |
| North American Savings Bank | 0.95% | $10k | - | $289 | 36 - 47 Month IRA with Checking | |
| USAA Bank | 0.91% | $250 | $95k | $275 | 3 Year IRA - Standard | |
| New Generations Federal Credit Union | 0.90% | $1k | - | $272 | 3 Year IRA Share Certificate | |
| National Bank of Kansas City | 0.90% | - | - | $273 | 36 - 47 Month Roth IRA | |
| Cardinal Bank | 0.90% | $1k | - | $281 | 37 Month IRA | |
| Jacksonville Bank | 0.90% | $1k | - | $273 | 36 - 59 Month IRA | |
| Truliant Credit Union | 0.90%* | $5k | - | $273 | 36 Month IRA Certificate | |
| Astera Credit Union | 0.90% | $500 | - | $272 | 3 Year IRA | |
| Bank of Botetourt | 0.90% | $100 | - | $272 | 3 Year IRA | |
| Call Credit Union | 0.90% | $1k | - | $273 | 36 Month IRA Certificate | |
| Salem Va Medical Center Credit Union | 0.90% | $1k | - | $273 | 36 Month IRA | |
| Franklin Federal Savings Bank | 0.90% | $500 | - | $272 | 3 Year IRA Certificate | |
| Chesapeake Bank | 0.90% | $100 | - | $272 | 3 Year IRA | |
| First Trade Union Bank | 0.90% | $500 | - | $272 | 3 Year IRA | |
| Central Virginia Bank | 0.90% | $500 | - | $273 | 36 Month IRA | |
| United Central Bank | 0.90% | $500 | - | $273 | 36 Month IRA | |
| Easthampton Savings Bank | 0.85% | $500 | - | $258 | 36 Month IRA | |
| First National Bank (LA) | 0.85% | - | - | $258 | 36 Month IRA | |
| New Peoples Bank, Inc. | 0.85% | $500 | - | $258 | 36 Month IRA | |
| Partners 1St Credit Union | 0.85%* | $10k | - | $258 | 36 Month IRA | |
| WashingtonFirst Bank | 0.85% | $1k | - | $214 | 30 Month IRA | |
| Virginia Community Bank | 0.85% | - | - | $258 | 36 Month IRA | |
| First Technology Federal Credit Union | 0.85% | $500 | - | $258 | 36 Month IRA | |
| INOVA Federal Credit Union | 0.85% | $200 | - | $214 | 30 Month IRA | |
| Simplicity Bank | 0.80% | $10k | - | $242 | 3 Yr to <5 Yr IRA | |
| ViewPoint Bank, National Association | 0.80% | $1k | - | $243 | 36 Month SEP IRA | |
| Affinity Credit Union | 0.80% | $500 | - | $202 | 30 Month IRA Certificate w/ Bump Up | |
| Arlington Community Credit Union | 0.80% | $500 | - | $243 | 36 Month Platinum IRA | |
| Credit Union Of New Jersey | 0.80%* | $500 | - | $242 | 3 Year IRA Certificate | |
| Martinsville Dupont Emp Credit Union | 0.80% | $2,500 | - | $242 | 3 Year IRA | |
| Fairfax County Credit Union | 0.80% | $2,500 | - | $243 | 36 Month IRA Certificate | |
| Burke & Herbert Bank & Trust Company | 0.80% | $100 | - | $243 | 36-Month Fixed IRA | |
| Communitywide Credit Union | 0.80% | $2k | - | $242 | 36 Month IRA Share Certificate | |
| Urban Partnership Bank | 0.80% | - | - | $243 | 36 Month IRA | |
| Principal Bank | 0.80% | $2,500 | - | $243 | 36 Month IRA | |
| First National Bank of Altavista | 0.80% | $100 | - | $242 | IRA 3 Year Fixed | |
| Patriot Bank | 0.80% | $1k | - | $243 | 36 Month IRA | |
| Apple Federal Credit Union | 0.80% | $500 | - | $243 | 36 Month Roth IRA Certificate | |
| Village Bank (VA) | 0.75% | $500 | - | $227 | 3 Year Roth IRA | |
| Highlands Union Bank | 0.75% | $500 | - | $227 | 36 Month IRA | |
| Capital Educators Federal Credit Union | 0.75%* | $10k | - | $227 | 36 - 47 Month Roth IRA Certificate | |
| Benchmark Community Bank | 0.75% | $500 | - | $227 | 3 Year Premium Roth IRA | |
| Urban Trust Bank | 0.75% | $500 | $100k | $227 | 36 Month IRA | |
| The Capon Valley Bank | 0.75% | $500 | - | $227 | 36 Month IRA - Quarterly | |
| South Division Credit Union | 0.75% | $500 | - | $227 | 3 Year IRA | |
| Chartway Federal Credit Union | 0.75% | $10k | - | $227 | 36 Month Roth IRA | |
| Farmers & Merchants Bank | 0.75% | $1k | - | $227 | 36 Month IRA | |
| State Farm Bank | 0.72%*† | - | - | $218 | 36 Month Roth IRA | |
| First National Community Bank (PA) | 0.70% | $1k | - | $211 | 3 Year Roth IRA | |
| Patelco Credit Union | 0.70% | $500 | - | $212 | 36 - 47 Month Roth IRA | |
| ABNB Credit Union | 0.70% | $1k | - | $212 | 36 Month IRA Certificate | |
| Chain Bridge Bank, National Association | 0.70% | $500 | - | $212 | 36 - 47 Month IRA | |
| Armed Forces Bank, National Association | 0.70% | $500 | - | $212 | 36 Month IRA | |
| University Of Va Community Credit Union | 0.70% | $500 | - | $211 | 3 Year IRA | |
| Pinnacle Federal Credit Union | 0.70% | $500 | - | $212 | 36 Month IRA | |
| Third Federal | 0.70%† | $100 | - | $211 | 36 Month IRA | |
| Capital One 360 | 0.70% | - | - | $176 | 30 Month IRA | |
| Sandy Spring Bank | 0.70% | $1k | - | $212 | 36 - 47 Month IRA | |
| Citizens Bank (TN) | 0.70% | $1k | - | $212 | 36 Month IRA | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $211 | 3 Year IRA | |
| Community Bank of Raymore | 0.70% | $500 | - | $211 | 3 Year IRA | |
| Eli Lilly Credit Union | 0.66% | - | - | $199 | 3 Year IRA | |
| Univest Bank and Trust Co. | 0.65% | $500 | - | $197 | 36 Month IRA | |
| Freedom First Credit Union | 0.65% | $500 | - | $197 | 36 Month IRA | |
| Baylands Credit Union | 0.65% | $500 | - | $197 | 36 Month IRA Certificate | |
| First Security Bank & Trust | 0.65% | $2,500 | - | $197 | 36 - 47 Month IRA | |
| Bank of Blue Valley | 0.65% | - | - | $197 | 36 - 47 Months Roth IRA | |
| EVB Bank | 0.65% | $500 | - | $196 | 3 Year IRA | |
| North Country Savings Bank | 0.65% | $500 | - | $196 | 3 Year IRA | |
| 1St Advantage Credit Union | 0.61% | $500 | - | $185 | 36 Month IRA | |
| Newtown Savings Bank | 0.60% | - | - | $181 | 3 Year Roth IRA | |
| Access National Bank | 0.60% | $10k | - | $181 | 3 Year IRA | |
| Central Virginia Credit Union | 0.60% | - | - | $182 | 36 Month Preferred IRA Certificate | |
| Virginia Commonwealth Bank | 0.60% | $100 | - | $182 | 36 Month IRA | |
| AIG Bank | 0.60% | - | - | $182 | 36 Month IRA | |
| Union First Market Bank | 0.60% | $1k | $100k | $181 | 3 Year Preferred IRA | |
| SunTrust Bank | 0.60%† | $2k | $1m | $202 | You Choose 40-50 Month IRA CD | |
| Zions Bank | 0.60% | $1k | - | $181 | 3 Year Internet IRA CD | |
| Money One Federal Credit Union | 0.58% | - | - | $175 | 3 Year IRA Savings Certificate | |
| KeyBank | 0.55%*† | $10k | $100k | $166 | 36 Month Tiered IRA - Relationship | |
| First Sentinel Bank | 0.55% | - | - | $166 | 36 Month IRA | |
| StellarOne Bank | 0.55% | $25 | - | $166 | 36 - 59 Month Fixed Rate IRA | |
| University Federal Credit Union | 0.50% | $1k | - | $151 | 36 Month Regular Roth IRA | |
| InTouch Credit Union | 0.50% | $1k | $95k | $151 | 36 Month IRA | |
| NewDominion Bank | 0.50% | $500 | - | $151 | 36 Month Roth IRA | |
| The Adirondack Trust Company | 0.50% | $500 | - | $151 | 3 Year IRA | |
| First Bank (VA) | 0.50% | $500 | - | $151 | 36 Month IRA | |
| American Bank | 0.50% | $250 | - | $151 | 36 Month Roth IRA | |
| Bronco Federal Credit Union | 0.50% | $1k | - | $151 | 36 Month IRA Certificate | |
| The National Bank of Blacksburg | 0.46% | - | - | $139 | 36 Month Roth IRA | |
| Randolph Bank & Trust Company | 0.45%* | $10k | - | $136 | 36 Month Fixed Rate IRA | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $136 | 3 Year IRA Certificate | |
| Bank @LANTEC | 0.45% | $500 | - | $136 | 36 Month Roth IRA | |
| Front Royal Credit Union | 0.45% | $500 | - | $136 | 3 Year IRA Certificate | |
| Consumers Credit Union (IL) | 0.45% | $250 | - | $136 | 3 Year IRA | |
| First Shore Federal Savings and Loan Association | 0.40% | $500 | - | $101 | 30-35 Month IRA | |
| Blue Ridge Bank | 0.40% | $1k | - | $120 | 36 Months Roth IRA | |
| Union Bank of California | 0.40%† | $350 | - | $121 | 36 - 47 Month Roth IRA Time Deposit | |
| Great Lakes Credit Union | 0.40% | $1k | - | $120 | 3 Year IRA Certificate | |
| TD Bank, National Association | 0.40%† | $250 | - | $120 | 3 Year Basic IRA CD | |
| Acacia Federal Savings Bank | 0.40% | $100 | - | $121 | 36 Month Roth IRA | |
| Amegy Bank | 0.40% | $250 | - | $101 | 30 Month Roth IRA | |
| Chase Manhattan Bank | 0.40%* | $10k | - | $121 | 36-41 Month IRA Special - Relationship | |
| H&R Block Bank | 0.35% | $250 | - | $106 | 36 Month Roth IRA | |
| iGObanking | 0.35% | $1k | - | $106 | 36 Month iGOIRA | |
| PNC Bank, National Association | 0.35%*† | $10k | - | $106 | 36 Month IRA | |
| Amalgamated Bank | 0.35%† | $500 | - | $105 | 3 Year IRA Fixed Rate | |
| Citibank | 0.35%† | $1k | - | $105 | 3 Year IRA | |
| Regions Bank | 0.30%† | $250 | - | $90.52 | 36 - 47 Month IRA | |
| Wells Fargo Bank | 0.30%† | $2,500 | - | $98.06 | 39 Month IRA Special | |
| Comerica Bank | 0.25%† | $1k | - | $75.19 | 3 Year IRA | |
| Woodforest National Bank | 0.25%† | $500 | - | $75.19 | 3 Year IRA | |
| BankDirect | 0.25% | $1k | - | $62.79 | 30 Month Roth IRA CD | |
| Bank of America | 0.25%† | $1k | - | $75.39 | 36 - 47 Month Roth IRA - Platinum Rate | |
| Sovereign Bank | 0.15% | $500 | $100k | $45.07 | 36 Month Rising Rate IRA | |
| Guardian Credit Union | 0.04% | $500 | - | $10.03 | 30 Month IRA Share Certificate | |
Nationwide CDs
Resources
Average 3 Year IRA Rate Trend
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
Capital One 360
360 Checking Account
0.85% APY
* All banks listed are a Member FDIC.