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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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Deposit Amount
$1 $100,000

52 Results


Nationwide Only
EverBank3 Month Yield Pledge IRA (Traditional, Roth)20 Reviews
0.70%
$1,500-$43.52
MutualOne Bank28 Day IRA (Traditional, Roth)
0.65%
$5k-$12.43
0.61%
$10k-$37.93
0.55%
$2k-$34.21
Navy FCU3 Month IRA (Traditional, Roth, SEP)103 Reviews
0.50%*
$20k-$31.11
Northwest FCU3 Month IRA Certificate (Traditional, Roth, CESA, SEP)12 Reviews
0.45%*
$1k-$28.00
Country Bank for SavingsIRA - 3 Month (Traditional, Roth)
0.45%*
$25k-$28.00
Ally BankIRA High Yield 3-Month CD (Traditional, Roth, SEP)300 Reviews
0.39%*
$25k-$24.27
Garden Savings FCU4 Month IRA Share Certificate (Traditional, Roth, CESA)
0.35%
$500-$29.21
Kinecta FCU3 Month IRA (Traditional, Roth)3 Reviews
0.35%
$1k$100k$21.79
0.35%*
$1k-$21.79
Discover Bank3 Month IRA (Traditional, Roth)83 Reviews
0.35%
$2,500-$21.79
Wings Financial Credit Union3 Month Dividend Paid at Maturity IRA Certificate (Traditional, Roth, CESA)30 Reviews
0.30%*
$10k-$18.68
OneWest Bank N.A. (Pasadena, CA)3 Month IRA (Traditional, Roth, SEP)18 Reviews
0.30%
$1k-$18.68
Mid-Illini Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
0.30%
$500-$18.68
0.30%
$500-$18.68
NewDominion Bank3 Month IRA (Traditional, Roth)
0.25%
$500-$15.57
Nationwide Bank3 Month IRA (Traditional, Roth, CESA, SEP)47 Reviews
0.25%*
--$15.57
Synchrony Bank3 Month IRA CD (Traditional, Roth)94 Reviews
0.25%*
$2k-$15.57
RiverLand FCU3 Month IRA Certificate (Traditional, Roth, CESA)1 Review
0.25%
$1k-$15.57
0.20%
$500-$12.46
Xcel FCU3 Month IRA (Traditional, Roth, CESA)5 Reviews
0.20%
$5k-$12.46
Bay State Savings Bank3 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
0.20%
$500-$12.46
DFCU Financial3 Month IRA Certificate (Traditional, Roth)6 Reviews
0.20%*
$25k-$12.46
Service Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)13 Reviews
0.20%
$1k-$12.46
INOVA FCU91 Day IRA (Traditional, Roth, CESA)27 Reviews
0.20%
$200-$12.46
OneUnited BankUNITY 90 Day IRA CD1 Review
0.20%
$1k-$12.32
United States Senate FCU3-6 Month IRA (Traditional, Roth, SEP)2 Reviews
0.18%*
$20k$100k$8.38
Quorum FCU3 Month IRA Term Savings (Traditional, Roth)3 Reviews
0.15%
$1k-$9.34
Bellco CU (CO)3 Months IRA (Traditional, Roth, CESA)3 Reviews
0.15%
$500-$9.34
American Bank90 Day IRA (Traditional, Roth, CESA)3 Reviews
0.15%
$250-$9.24
Amegy Bank4 Month IRA (Traditional, Roth)6 Reviews
0.10%
$250-$8.35
0.10%
$1k-$6.23
Newtown Savings Bank3 Month IRA (Traditional, Roth)
0.10%
--$6.23
Geauga Savings Bank3 Month IRA (Traditional, Roth, SEP, SIMPLE, CESA)1 Review
0.10%
--$6.23
Principal Bank3 Month IRA (Traditional, Roth)
0.10%*
$2,500-$6.23
FNCB Bank3 Month IRA (Traditional, Roth, CESA, SEP)1 Review
0.10%
$1k-$6.23
Credit Union Of The Rockies3 Month IRA Certificate
0.10%
$500-$6.23
The Adirondack Trust Company91 Days IRA (Traditional, Roth, CESA, SEP)4 Reviews
0.10%
$500-$6.23
KeyBank120 - 149 Day Key Short Term IRA (Traditional, Roth)31 Reviews
0.10%*
$2,500$100k$4.66

Displaying 1-40 of 52 Results


3 Month IRA Rate Trend

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 rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 data or to request rates or promotions be included in this chart. We are not affiliated with the financial instututions listed here.

* The APY 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.