3 Year IRA Rates in Texas
Compare three year fixed IRA rates available in Texas. Rates on fixed rate IRAs can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of 36 month IRA rates available in Texas. If we have missed a local bank in your area please contact us and let us know by using the email link at the bottom of this page
Showing nationwide and Texas accounts based on a $10,000 deposit.
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Melrose CU | 2.52% | $4k | - | $775 | 3 Year Share IRA Certificates | |
| Beacon FCU | 2.50% | $1k | - | $769 | 36 mos. IRA Cert | |
| Danversbank | 2.50% | $500 | - | $769 | 3 Year IRA | |
| Eastman CU | 2.50% | $1k | - | $769 | 3 to 4 Years IRA Investment Certificate | |
| TriStar Bank | 2.50% | $500 | - | $769 | 36 Month IRA | |
| University FCU | 2.42% | - | - | $744 | 36 Month Premium IRA | |
| Acacia Federal Savings Bank | 2.40% | $100 | - | $737 | 36 Month IRA | |
| Alliant CU | 2.40% | $1k | - | $737 | 36 - 47 Month Traditional IRA | |
| Kaiser Federal Bank | 2.40% | $10k | - | $737 | 36 - 59 Month IRA | |
| United SA Federal Credit Union | 2.38% | $500 | - | $731 | 3 Years IRA CD | |
| Delta Community Credit Union | 2.35% | $1k | - | $722 | 36 Month IRA | |
| Generations FCU | 2.35% | $250 | - | $722 | 36 Month IRA Share Certificate | |
| MCT Credit Union | 2.32% | $1k | - | $712 | 3 Year IRA | |
| El Paso Area Teachers FCU | 2.32% | $500 | - | $592 | 30 Month Regular IRA Certificates | |
| Chemcel FCU | 2.30% | $1k | - | $706 | 3 Year Share IRA | |
| San Antonio Federal Credit Union | 2.30% | $10k | - | $706 | 36 - 59 Month IRA | |
| Independent Bank TX | 2.30% | $1k | - | $706 | 3 Year IRA | |
| GENCO Federal Credit Union | 2.27% | $10k | - | $697 | 3 Year IRA Certificate | |
| Mobiloil CU | 2.27% | $1k | - | $697 | 3 Year IRA | |
| Pentagon FCU | 2.25% | $25 | - | $690 | 3 Year CESA | |
| Discover Bank | 2.25% | $2,500 | - | $690 | 3 Year IRA | |
| Central Bank | 2.25% | $2,500 | - | $690 | 36 Month IRA | |
| OmniAmerican Bank | 2.25% | $500 | - | $690 | 36 Month IRA | |
| RiverLand Credit Union | 2.25% | $1k | - | $690 | 36 Month IRA Certificate | |
| USAA Bank | 2.25% | $1k | $95k | $690 | 3 Year IRA - Standard | |
| United Heritage Credit Union | 2.22% | $1k | - | $681 | 3 Year IRA CD | |
| Randolph-Brooks CU | 2.22% | $5k | - | $681 | 3 Year IRA | |
| ISN Bank | 2.21% | $1k | - | $678 | 3 Year IRA | |
| Nationwide Bank | 2.20% | $500 | - | $675 | 36 Month IRA | |
| Intervest National Bank | 2.20% | $1k | - | $675 | 3 Year CESA | |
| Equity Bank | 2.18% | $1k | - | $668 | 36 Month IRA | |
| Wings Financial CU | 2.17% | - | - | $665 | 3 Year IRA | |
| First Federal Community Bank | 2.17% | $1k | - | $665 | 3 Year IRA | |
| Chevron FCU | 2.15% | $500 | - | $659 | 3-Year IRA | |
| Park Cities Bank | 2.14% | - | $100k | $656 | 36 Month - Fixed Rate IRA | |
| Velocity Credit Union | 2.13% | $1k | - | $653 | 3 Year IRA Certificate | |
| Collin Bank | 2.12% | $1k | $100k | $650 | 36 Month IRA | |
| Tradition Bank | 2.10% | $500 | - | $643 | 36 Month IRA | |
| Navy FCU | 2.10% | $1k | - | $643 | 3 Year IRA | |
| Altra Federal Credit Union | 2.10% | $1k | - | $643 | 36 Month IRA | |
| Southwest Airlines FCU | 2.10% | $1k | $25k | $643 | 36 Month IRA | |
| Lockheed Federal Credit Union | 2.10% | $1k | - | $643 | 36 Month IRA | |
| Texas Gulf Bank | 2.05% | $2k | - | $628 | 3 Year Fixed IRA | |
| Shell FCU | 2.05% | $500 | - | $628 | 36 Month IRA Share Certificate | |
| Coppermark Bank | 2.05% | $1k | - | $628 | 36 Month IRA | |
| Texas Heritage National Bank | 2.04% | - | - | $519 | 30 Months IRA | |
| Capitol CU | 2.02% | $1k | - | $618 | 36 Month IRA | |
| 20Th Century Fox CU | 2.02% | $2,500 | - | $618 | 3 Year IRA Certificate | |
| Giantbank.com | 2.01% | $1k | - | $615 | 36 Month Giant IRA | |
| American Bank | 2.00% | $250 | - | $612 | 36 Month IRA | |
| First National Community Bank (PA) | 2.00% | $1k | - | $612 | 3 Year IRA | |
| H&R Block Bank | 2.00% | - | - | $612 | 36 Month IRA | |
| Country Bank for Savings | 2.00% | $500 | - | $612 | IRA - 3 year | |
| Right Choice CU | 2.00% | - | - | $612 | Traditional 36 Months | |
| RTN Federal Credit Union | 2.00% | $1k | - | $612 | 36 Month CESA | |
| iGObanking | 2.00% | $1k | - | $612 | 36 Month iGOIRA | |
| Northwest FCU | 1.95% | $2,500 | - | $596 | 3 Year IRA | |
| F&M Bank | 1.95% | $1k | - | $596 | 36 Month IRA | |
| Qualtrust Credit Union | 1.92% | $1k | - | $587 | 36 Month IRA | |
| Addison Avenue FCU | 1.90% | $500 | - | $583 | 36 - 59 Month IRA Certificate | |
| Lake Michigan Credit Union | 1.80% | $500 | - | $457 | 30 Month VIP IRA | |
| First Savings Bank Northwest | 1.79% | $5k | - | $548 | 36 Month IRA | |
| Amarillo National Bank | 1.77% | $1k | - | $540 | 3.0 Year Long Term IRA | |
| The Bank of Fayetteville | 1.76% | - | - | $537 | 36 Month IRA | |
| Royal Banks of Missouri | 1.76% | $1k | $100k | $537 | 36 Month IRA | |
| Patriot Bank | 1.75% | $1k | - | $534 | 3 Year IRA | |
| Opportunity Bank, N.A. | 1.75% | $1k | - | $534 | 36 - 59 Month IRA | |
| Integrity Bank | 1.75% | - | - | $534 | 3 Year IRA | |
| Third Federal | 1.75% | $100 | - | $444 | 30 Month IRA | |
| Pacific Resource Credit Union | 1.72% | $1k | - | $525 | 36 Month IRA | |
| Westbound Bank | 1.71% | $500 | $100k | $522 | 36 Month IRA | |
| United Central Bank | 1.71% | $1k | - | $522 | 36 Month IRA CD | |
| Apple FCU | 1.70% | - | - | $519 | 36 Month IRA | |
| ViewPoint Bank | 1.70% | $1k | - | $519 | 36 Month IRA CDs | |
| Provident Credit Union | 1.70% | $500 | - | $519 | 36 Month IRA | |
| First Community CU of Houston | 1.70% | - | - | $519 | 3 Year IRA | |
| InTouch Credit Union | 1.70% | $1k | $95k | $519 | 36 Month IRA | |
| Coulee Bank | 1.66% | $500 | - | $421 | 30 Month IRA | |
| The First State Bank | 1.61% | $500 | - | $491 | 36 Month IRA | |
| North Country Savings Bank | 1.60% | $500 | - | $488 | 3 Years IRA | |
| PrimeWay FCU | 1.60% | $500 | - | $488 | 36 Month IRA Share Certificate | |
| Allstate Bank | 1.60% | $1k | - | $488 | 3 Year IRA | |
| KANZA Bank | 1.55% | - | - | $472 | 36 Month IRA | |
| North Dallas B&T | 1.55% | $1k | - | $472 | 36 Month CESA | |
| Amegy Bank | 1.50% | $250 | - | $457 | 3 Year IRA | |
| Community Resource Credit Union | 1.50% | $1k | - | $457 | 36 Month Roth IRA | |
| MetLife Bank | 1.50% | $2k | - | $457 | 36 Month IRA | |
| Neighborhood CU | 1.50% | $2,500 | - | $380 | 30 Month Traditional IRA | |
| State Farm Bank | 1.48% | - | - | $451 | 36 Month IRA | |
| 1st Community FCU | 1.45% | $25 | - | $441 | 3 Year IRA | |
| Randolph Bank & Trust Company | 1.45% | $10k | - | $441 | 36 Month Fixed Rate IRA | |
| Texans Credit Union | 1.36% | $1k | - | $414 | 36 Month IRA | |
| Union Bank of California | 1.35% | $350 | - | $410 | 36 - 47 Month IRA Time Deposit | |
| Colorado State Bank | 1.35% | - | - | $410 | 3 Year IRA | |
| Citibank | 1.35% | $500 | - | $410 | 3 Year IRA | |
| Beal Bank | 1.26% | $1k | - | $383 | 3 Year IRA | |
| BankDirect | 1.26% | $1k | - | $319 | 30 Month IRA CD | |
| Broadway National Bank | 1.25% | $1k | - | $380 | 3 Year IRA | |
| ING DIRECT | 1.25% | - | - | $380 | 36 Month Roth IRA | |
| Continental FCU | 1.25% | $40 | - | $380 | 36 Month IRA | |
| Zions Bank | 1.16% | $1k | - | $352 | 3 Year Internet IRA Certificate | |
| State National Bank of Texas | 1.10% | $300 | - | $334 | 36 Month Regular IRA | |
| Bank of Oklahoma | 1.05% | - | - | $318 | 3 Year IRA | |
| Texas Capital Bank | 1.01% | $1k | - | $255 | 30 Month IRA | |
| Chase Manhattan Bank | 1.01% | $1k | - | $255 | 30-35 Month IRA - Relationship | |
| Brenham National Bank | 0.15% | $1k | - | $37.65 | 30 Months IRA |
Average 3 Year IRA Rate Trend
