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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:
192
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
Bogota Savings Bank3 Year IRA1.56%$500-$1,188
DETAILS
Columbia Bank (NJ)36 Month IRA (Traditional,Roth,CESA)4 Reviews1.55%$500-$1,184
DETAILS
1st Colonial Community Bank36 month IRA1.51%$500-$1,153
DETAILS
Community Bank of Bergen County, N. J.3 Year IRA (Traditional,Roth,CESA)1.51%$500-$1,150
DETAILS
Clifton Savings Bank36 Month IRA (Traditional,Roth,CESA)1 Review1.50%$500-$1,145
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Crest Savings Bank36 Month IRA (Traditional,Roth)1.50%$500-$1,145
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Oritani Bank3 Year IRA (Traditional,Roth,CESA)1.50%$1k-$1,142
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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
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Valley National Bank3 Year IRA (Traditional,Roth,CESA)11 Reviews1.40%$250-$1,065
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RSI BANK37 Month IRA1.35%$250-$1,058
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Lake Michigan Credit Union36 Month VIP IRA CD35 Reviews1.35%$500-$1,029
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CIT Bank3 Year IRA (Traditional,Roth)47 Reviews1.35%$1k-$1,026
DETAILS
Freedom Bank (NJ)24-35 Month IRA (Traditional,Roth,SEP)1.35%$500-$1,018
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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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Northfield Bank36 Month IRA (Traditional,Roth)1.30%$2,500-$990
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Ocean City Home Bank36 Month IRA (Traditional,Roth,SEP,SIMPLE)1 Review1.30%--$990
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Patriot Bank36 Month IRA4 Reviews1.30%$1k-$990
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State Farm Bank36 Month IRA (Traditional,Roth)14 Reviews1.30%--$990
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Synchrony Bank36 Month IRA CD (Traditional,Roth)12 Reviews1.30%$25k-$990
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Cape Bank3 Year IRA (Traditional,Roth,CESA)1.30%--$988
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Peapack-Gladstone Bank35 Month IRA (New Money only)1 Review1.30%$500-$962
DETAILS
Northrop Grumman Federal Credit Union3 Year Term IRA (Traditional,Roth,CESA)1.29%$2k-$980
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Self Reliance (NJ) Credit Union36 Month IRA Certificate (Traditional,Roth,CESA)1.26%--$960
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Garden Savings Federal Credit Union3 Year IRA Share Certificate (Traditional,Roth,CESA)1.26%$500-$957
DETAILS
Royal Bank America36 Month IRA1.25%$1k-$952
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Ponce De Leon Federal Bank36 Month IRA (Traditional,Roth,CESA)1.25%$500-$952
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Glen Rock Savings Bank36 Month IRA1.25%$500-$952
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Shore Community Bank36 Month IRA1.25%$500-$952
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Millington Savings Bank36 Month IRA (Traditional,Roth,CESA)2 Reviews1.25%$250-$952
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Boiling Springs Savings Bank36 Month IRA (Traditional,Roth,SEP)2 Reviews1.25%$1k-$952
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Belvoir Federal Credit Union36 Month IRA Share Certificate1 Review1.25%$1k-$952
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Discover Bank3 Year IRA (Traditional,Roth)27 Reviews1.25%$2,500-$949
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Parke Bank36 Month IRA (Traditional,Roth)1 Review1.25%$500-$949
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Affinity Credit Union36 Month IRA Certificate5 Reviews1.25%$500-$949
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Alliant Credit Union36 - 47 Month Roth IRA13 Reviews1.25%$1k-$941
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Sandia Laboratory Credit Union36 Month IRA (Traditional,Roth,CESA)1.21%$1k-$921
DETAILS

Displaying 1-40 of 192 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.