Featured 1-Year CD Rates
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3 Month IRA Rates

Compare rates on 3 month IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 3-month IRA CDs and how they can be a beneficial tool in your retirement strategy.

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61 Results

Nationwide Only
Ally BankIRA High Yield 3-Month CD (Traditional, Roth, SEP)639 Reviews
1.50%*
$25k-$92.97
Bethpage FCU3 Month IRA (Traditional, Roth)7 Reviews
1.25%
$50-$77.55
EverBank3 Month Yield Pledge IRA (Traditional, Roth)66 Reviews
1.25%
$5k-$77.55
1.16%
$2k-$71.99
Signature FCU3 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.15%
$500-$71.37
Kinecta FCU3 Month IRA (Traditional, Roth)5 Reviews
1.00%*
$1k-$62.10
Premier Members Credit Union3 Months IRA (Traditional, Roth)1 Review
0.95%
$500$100k$59.00
American Heritage FCU4 Month IRA Certificate (Traditional, CESA, Roth)3 Reviews
0.90%
$1k-$74.98
Northpointe Bank92-182 Day Fixed IRA21 Reviews
0.90%
$500-$41.77
SCE FCU91 Day IRA (Traditional, Roth, CESA)1 Review
0.80%
$1k-$49.71
Synchrony Bank3 Month IRA CD (Traditional, Roth)275 Reviews
0.75%
$2k-$46.62
Bellco Credit Union3 Months IRA (Traditional, Roth, CESA)12 Reviews
0.75%
$500-$46.62
People's Trust FCU3 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
0.72%*
$25k-$44.76
Wings Financial Credit Union3 Month Dividend Paid at Maturity IRA Certificate (Traditional, Roth, CESA)34 Reviews
0.70%*
$10k-$43.52
Nationwide Bank3 Month IRA (Traditional, Roth, CESA, SEP)165 Reviews
0.70%*
--$43.52
United States Senate FCU3-6 Month IRA (Traditional, Roth, SEP)4 Reviews
0.70%*
$20k$100k$32.51
Matadors Community Credit Union3 Month IRA (Traditional, Roth)1 Review
0.60%
$10k-$37.31
Digital FCU (DCU)3 - 5 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)23 Reviews
0.60%
$500-$27.88
Michigan State University FCU3 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
0.60%
$500-$27.88
TruStone Financial Credit Union3 Month IRA (Traditional, Roth)7 Reviews
0.50%
--$31.11
Princeton FCU3 Month IRA
0.45%
$1k-$28.00
Superior Choice Credit Union3 Month IRA (Traditional, Roth)9 Reviews
0.45%*
$10k-$28.00
Country Bank for SavingsIRA - 3 Month (Traditional, Roth)1 Review
0.45%*
$25k-$28.00
Market USA FCU3 Month IRA (Traditional, Roth, CESA)2 Reviews
0.40%
$500-$24.89
Premier America Credit Union3 Month IRA (Traditional, Roth, CESA)6 Reviews
0.40%*
$25k-$24.89
Garden Savings FCU4 Month IRA Share Certificate (Traditional, Roth, CESA)
0.35%
$500-$29.21
Discover Bank3 Month IRA (Traditional, Roth)182 Reviews
0.35%
$2,500-$21.79
Xcel FCU3 Month IRA (Traditional, Roth, CESA)8 Reviews
0.35%
$500-$21.79
MTC FCU3 Month Share Plus IRA
0.35%
$10k-$21.79
OneWest Bank N.A. (Pasadena, CA)3 Month IRA (Traditional, Roth)15 Reviews
0.30%
$1k-$18.68
RTN FCU3 Month IRA (Traditional, Roth, CESA, SEP)
0.30%*
$1k-$18.68
Northwest FCU3 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
0.30%*
$1k-$18.68
Tampa Bay FCU3 - 5 Month IRA Certficate (Traditional, Roth, CESA)6 Reviews
0.30%*
$500-$13.96
Quorum FCU3 Month IRA Term Savings (Traditional, Roth)8 Reviews
0.25%
$1k-$15.57
Bay State Savings Bank3 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
0.20%
$500-$12.46
Principal Bank3 Month IRA (Traditional, Roth)
0.20%*
$2,500-$12.46
DFCU Financial3 Month IRA Certificate (Traditional, Roth)8 Reviews
0.20%*
$25k-$12.46
Service Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
0.20%
$1k-$12.46
OneUnited BankUNITY 90 Day IRA CD3 Reviews
0.20%
$1k-$12.32
Golden 1 Credit Union3-5 Month IRA (Traditional, Roth, CESA)30 Reviews
0.20%*
$25k-$9.31

Displaying 1-40 of 61 Results


3-Month IRA CD

A 3-Month IRA CD is a short term CD and liquid investment product with tax benefits. Structurally, the IRA CD is a certificate of deposit that is delivered in an Individual Retirement Account vehicle as a way to earn interest for a fixed period of time. Early withdrawal penalties allow the bank or credit union that sold you the IRA CD to discourage or disincentivize you from withdrawing the funds before the CD matures.

The question of whether this product is a wise investment when compared to a standard savings account is a valid one. If you are looking for a way to reap the tax benefits of an IRA, but you know you will need the funds and interest earned in the near future, the 3-Month IRA CD could make sense. Depending on current CD rates, however, you may be better off with a standard savings account. If savings account rates are higher than an IRA CD, then it becomes difficult to justify locking up funds in a product subject to IRS withdrawal rules and fixed maturity dates.

Investors use the product from time to time as the first rung on a mini CD ladder in order to build liquidity into an investing strategy and lock in high interest rates for longer chunks of time (than savings accounts). Banks and credit unions insured, respectively, by the FDIC and the NCUA will insure the IRA CDs they offer up to $250,000 per depositor. Traditional, Roth, SEP IRAs, and CESA IRAs are a few types featured in our rate tables above.




* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.