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 | |
| Melrose Credit Union | 1.76% | $4k | - | $537 | 3 Year Share IRA Certificate | |
| Self-Help Credit Union | 1.51% | - | - | $461 | 36 Month IRA | |
| Alliant Credit Union | 1.50% | $1k | - | $458 | 36 - 47 Month Traditional IRA | |
| Andrews Federal Credit Union | 1.41% | $1k | - | $429 | 36 Month IRA | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $426 | 36 Month IRA | |
| USAA Bank | 1.31% | $250 | $95k | $398 | 3 Year IRA - Standard | |
| MetLife Bank | 1.30% | $2k | - | $396 | 36 Month IRA | |
| Geauga Savings Bank | 1.30% | - | - | $396 | 36 Month IRA | |
| Hudson City Savings Bank | 1.30%† | $500 | - | $395 | 3 Year IRA | |
| Stillwater National Bank | 1.30%*† | $10k | - | $395 | 36 Month IRA | |
| Ally Bank | 1.30% | - | - | $395 | IRA High Yield 3-Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Pentagon Federal Credit Union | 1.25% | $25 | - | $380 | 3 Year Roth IRA | |
| H&R Block Bank | 1.25% | $250 | - | $381 | 36 Month IRA | |
| Patriot Bank | 1.25% | $1k | - | $381 | 36 Month IRA | |
| OneUnited Bank | 1.25% | $1k | - | $380 | UNITY 3 Year IRA | |
| Nationwide Bank | 1.25%* | - | - | $381 | 36 Month IRA | |
| Jacksonville Bank | 1.25% | $1k | - | $381 | 36 - 59 Month IRA | |
| First National Bank (LA) | 1.25% | - | - | $380 | 36 Month IRA | |
| Affinity Credit Union | 1.25% | $500 | - | $316 | 30 Month IRA Certificate w/ Bump Up | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $381 | 36 Month IRA | |
| North American Savings Bank | 1.21% | $10k | - | $367 | 36 - 47 Month IRA with Checking | |
| First Internet Bank of IN | 1.20% | - | - | $365 | 36 Month IRA | |
| Quantum National Bank | 1.20% | $1k | - | $365 | 36 Month Relationship IRA | |
| Firstmark Credit Union | 1.20% | $500 | - | $364 | 3 Year Regular IRA CD | |
| AloStar Bank of Commerce | 1.19% | $1k | - | $362 | 36 Month IRA | |
| First Savings Bank Northwest | 1.17%* | $5k | - | $356 | 36 Month IRA | |
| OneWest Bank | 1.15% | $1k | - | $349 | 3 Year IRA | |
| AIG Bank | 1.15% | - | - | $350 | 36 Month IRA | |
| American Bank | 1.10% | $250 | - | $335 | 36 Month IRA | |
| University Federal Credit Union | 1.10% | - | - | $335 | 36 Month Premium IRA | |
| Giantbank.com | 1.10% | $1k | - | $335 | 36 Month Giant IRA | |
| INOVA Federal Credit Union | 1.10% | $200 | - | $334 | 3 Year IRA | |
| Kaiser Federal Bank | 1.10% | $10k | - | $334 | 3 Yr to <5 Yr IRA | |
| Salem Five | 1.10% | $2k | - | $334 | 36 Month Relationship IRA | |
| EverBank | 1.06% | $1,500 | - | $268 | 2.5 Year Yield Pledge IRA | |
| Start SavingSponsored Note: | ||||||
| Lake Michigan Credit Union | 1.05% | $500 | - | $265 | 30 Month VIP IRA | |
| Newtown Savings Bank | 1.05% | - | - | $318 | 3 Year IRA | |
| Intervest National Bank | 1.05% | $1k | - | $318 | 3 Year Roth IRA | |
| First National Community Bank (PA) | 1.05% | $1k | - | $328 | 37 Month IRA | |
| Urban Partnership Bank | 1.05% | - | - | $319 | 36 Month IRA | |
| First Security Bank & Trust | 1.03% | $10k | - | $313 | 36 - 47 Month IRA | |
| Dime Savings Bank | 1.01% | $500 | - | $306 | 3 Year Roth IRA | |
| SunTrust Bank | 1.01%† | $2k | $1m | $315 | 37 Month IRA | |
| Bank of Blue Valley | 1.00% | - | - | $304 | 36 - 47 Months IRA | |
| Easthampton Savings Bank | 1.00% | $500 | - | $303 | 36 Month IRA | |
| Principal Bank | 1.00% | $2,500 | - | $304 | 36 Month IRA | |
| Community Bank of Raymore | 0.95% | $500 | - | $288 | 3 Year Emerald Club IRA | |
| First Trade Union Savings | 0.90% | $500 | - | $272 | 3 Year IRA | |
| NewDominion Bank | 0.90% | $500 | - | $272 | 36 Month IRA | |
| South Division Credit Union | 0.90% | $500 | - | $272 | 3 Year IRA | |
| UnivestDirect | 0.90% | $500 | - | $273 | 36 Month IRA | |
| The Adirondack Trust Company | 0.90% | $500 | - | $272 | 3 Year IRA | |
| North Country Savings Bank | 0.85% | $500 | - | $257 | 3 Year IRA | |
| State Farm Bank | 0.82%*† | - | - | $249 | 36 Month IRA | |
| Acacia Federal Savings Bank | 0.80% | $100 | - | $243 | 36 Month IRA | |
| Apple Federal Credit Union | 0.80% | $500 | - | $243 | 36 Month IRA Certificate | |
| ING DIRECT | 0.80% | - | - | $202 | 30 Month Roth IRA | |
| Third Federal | 0.80%† | $100 | - | $202 | 30 Month IRA | |
| Randolph Bank & Trust Company | 0.75%* | $10k | - | $227 | 36 Month Fixed Rate IRA | |
| Patelco Credit Union | 0.70% | $500 | - | $211 | 36 - 47 Month IRA | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $211 | 3 Year IRA | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $211 | 3 Year IRA | |
| iGObanking | 0.70% | $1k | - | $212 | 36 Month iGOIRA | |
| Wells Fargo Bank | 0.65%† | $2,500 | - | $213 | 39 Month IRA Special | |
| ViewPoint Bank | 0.60% | $1k | - | $182 | 36 Month IRA | |
| Union Bank of California | 0.60%† | $350 | - | $182 | 36 - 47 Month IRA Time Deposit | |
| Zions Bank | 0.60% | $1k | - | $181 | 3 Year Internet IRA Certificate | |
| KeyBank | 0.55%*† | $10k | $100k | $166 | 36 Month Tiered IRA - Relationship | |
| Amegy Bank | 0.50% | $250 | - | $126 | 30 Month IRA | |
| National Bank of Kansas City | 0.45% | $4k | - | $136 | 36 - 47 Month IRA | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $136 | 3 Year IRA Certificate | |
| Comerica Bank | 0.35%† | $1k | - | $105 | 3 Year IRA | |
| Regions Bank | 0.30%† | $250 | - | $90.52 | 36 - 47 Month IRA | |
| Sovereign Bank | 0.30%* | $10k | $100k | $90.27 | 36 Month Rising Rate IRA | |
| BankDirect | 0.25% | $1k | - | $62.79 | 30 Month IRA CD | |
| Aurora Bank FSB | 0.05% | $1k | - | $15.01 | 36 Month IRA | |
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