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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| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Connexus Credit Union | 1.75% | $10k | - | $534 | 36 Month IRA Certificate With Active Checking | |
| Andrews Federal Credit Union | 1.41% | $1k | - | $430 | 36 Month IRA Certificate | |
| 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 | |
| Alliant Credit Union | 1.25% | $1k | - | $381 | 36 - 47 Month Traditional IRA | |
| CIT Bank | 1.21% | $1k | - | $367 | 3 Year Term IRA CD | |
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| 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 | |
| GE Capital Retail Bank | 1.20%* | $2k | - | $365 | 36 Month IRA | |
| Ally Bank | 1.19% | - | - | $361 | IRA High Yield 3-Year CD | |
| First Savings Bank Northwest | 1.17%* | $5k | - | $356 | 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 | |
| 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 | |
| EverBank | 1.05% | $1,500 | - | $265 | 2.5 Year Yield Pledge IRA | |
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| Air Force Federal Credit Union | 1.05%* | $1k | - | $318 | 3 Year IRA | |
| OneUnited Bank | 1.05% | $1k | - | $318 | UNITY 3 Year IRA CD | |
| Northrop Grumman Federal Credit Union | 1.02% | $2k | - | $309 | 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 | |
| Stillwater National Bank | 1.00%† | $10k | - | $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 | |
| Giantbank.com | 1.00% | $1k | - | $304 | 36 Month Giant IRA | |
| Mountain America Credit Union | 0.95% | $500 | - | $289 | 36 Month Roth IRA | |
| OneWest Bank | 0.95% | $1k | - | $288 | 3 Year Roth 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 | |
| National Bank of Kansas City | 0.90% | - | - | $273 | 36 - 47 Month Roth IRA | |
| Jacksonville Bank | 0.90% | $1k | - | $273 | 36 - 59 Month IRA | |
| Astera Credit Union | 0.90% | $500 | - | $272 | 3 Year IRA | |
| First Trade Union Bank | 0.90% | $500 | - | $272 | 3 Year IRA | |
| Easthampton Savings Bank | 0.85% | $500 | - | $258 | 36 Month IRA | |
| First National Bank (LA) | 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 | |
| Credit Union Of New Jersey | 0.80%* | $500 | - | $242 | 3 Year IRA Certificate | |
| 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 | |
| Patriot Bank | 0.80% | $1k | - | $243 | 36 Month IRA | |
| Apple Federal Credit Union | 0.80% | $500 | - | $243 | 36 Month Roth IRA Certificate | |
| Capital Educators Federal Credit Union | 0.75%* | $10k | - | $227 | 36 - 47 Month Roth IRA Certificate | |
| South Division Credit Union | 0.75% | $500 | - | $227 | 3 Year 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 | |
| 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 | |
| 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 | |
| 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 | |
| North Country Savings Bank | 0.65% | $500 | - | $196 | 3 Year IRA | |
| Newtown Savings Bank | 0.60% | - | - | $181 | 3 Year Roth IRA | |
| AIG Bank | 0.60% | - | - | $182 | 36 Month 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 | |
| University Federal Credit Union | 0.50% | $1k | - | $151 | 36 Month Regular Roth IRA | |
| NewDominion Bank | 0.50% | $500 | - | $151 | 36 Month Roth IRA | |
| The Adirondack Trust Company | 0.50% | $500 | - | $151 | 3 Year IRA | |
| American Bank | 0.50% | $250 | - | $151 | 36 Month Roth IRA | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $136 | 3 Year IRA Certificate | |
| Consumers Credit Union (IL) | 0.45% | $250 | - | $136 | 3 Year 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 | |
| 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 | |
| Amalgamated Bank | 0.35%† | $500 | - | $105 | 3 Year IRA Fixed Rate | |
| Wells Fargo Bank | 0.30%† | $2,500 | - | $98.06 | 39 Month IRA Special | |
| Comerica Bank | 0.25%† | $1k | - | $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 | |
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.