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3 Year IRA Rates

Compare rates on 3 year IRAs from banks and credit unions. Use the filter box below to customize your results.

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Deposit Amount | $1 $100,000
Currently Including:
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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
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EverBank3 Year Yield Pledge IRA (Traditional,Roth)13 Reviews1.46%$1,500-$1,111
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State Farm Bank36 Month IRA (Traditional,Roth)16 Reviews1.45%--$1,106
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Northern Bank & Trust Company36 Month IRA (Traditional,Roth,CESA,SEP)1.40%$500-$1,068
DETAILS
CIT Bank3 Year RampUp IRA (Traditional,Roth)47 Reviews1.40%$25k$250k$1,065
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Nationwide Bank36 Month IRA (Traditional,Roth)10 Reviews1.37%--$1,045
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Lake Michigan Credit Union36 Month VIP IRA CD36 Reviews1.35%$500-$1,029
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Digital Credit Union36 - 47 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews1.35%$500-$1,018
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Andrews Federal Credit Union36 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews1.31%$1k-$998
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Triumph Savings Bank, SSB36 Month IRA (Traditional,Roth)1.30%$1k-$990
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Patriot Bank36 Month IRA4 Reviews1.30%$1k-$990
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Synchrony Bank36 Month IRA CD (Traditional,Roth)15 Reviews1.30%$25k-$990
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Discover Bank3 Year IRA (Traditional,Roth)30 Reviews1.30%$2,500-$988
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Alliant Credit Union36 - 47 Month Roth IRA13 Reviews1.30%$1k-$979
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Northrop Grumman Federal Credit Union3 Year Term IRA (Traditional,Roth,CESA)1.28%$2k-$972
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Belvoir Federal Credit Union36 Month IRA Share Certificate1 Review1.25%$1k-$952
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Intervest National Bank3 Year IRA CD (Traditional,Roth,CESA)3 Reviews1.25%$1k-$949
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Affinity Credit Union36 Month IRA Certificate5 Reviews1.25%$500-$949
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Eli Lilly Credit Union34 Month IRA (Traditional,Roth)1.25%--$898
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Sandia Laboratory Credit Union36 Month IRA (Traditional,Roth,CESA)1.21%$1k-$921
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Silvergate Bank3 Years IRA1.21%$25k$225k$919
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First Internet Bank of IN36 Month IRA (Traditional,Roth,CESA)1 Review1.20%--$913
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Geauga Savings Bank36 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review1.20%--$913
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Communitywide Credit Union36 Month IRA Share Certificate1.20%$2k-$913
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Hudson City Savings Bank3 Year Internet IRA (Traditional,Roth,SEP,CESA,SIMPLE)13 Reviews1.20%$5k-$911
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Northwest Federal Credit Union3 Year IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews1.20%$25k-$911
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Ally BankIRA High Yield 3-Year CD (Traditional,Roth,SEP)131 Reviews1.20%--$911
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Security Bank (OK)36 Month IRA (Traditional,Roth)1.15%$2k-$875
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Air Force Federal Credit Union3 Year IRA (Traditional,Roth,CESA)1.15%$1k-$872
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OneUnited BankUNITY 3 Year IRA CD1 Review1.15%$1k-$872
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Regions Bank40 Month Fixed Rate IRA Special (w/ Regions Checking) (Traditional,Roth,CESA)44 Reviews1.10%$250-$931
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AloStar Bank of Commerce36 Month IRA3 Reviews1.10%$1k-$836
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Salem Five36 Month IRA Special (Traditional,CESA,Roth,SEP)3 Reviews1.10%$2k-$834
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Astera Credit Union3 Year IRA (Traditional,Roth,CESA)2 Reviews1.05%$500-$796
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Self-Help Credit Union36 Month IRA (Traditional,Roth,CESA)3 Reviews1.01%--$767
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SunTrust Bank30 Month Banker Special Promotional IRA (Traditional,Roth,SEP,SIMPLE)29 Reviews1.01%$2k-$638
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McGraw Hill Credit Union36 Month IRA (Traditional,Roth,CESA)1.00%$10k-$760
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First Technology Federal Credit Union36 Month IRA (Traditional,Roth,CESA)10 Reviews1.00%$500-$760
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America's Credit Union 36 Month IRA Certficate1.00%$10k-$760
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Displaying 1-40 of 100 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.