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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Advancial3 Month Junior Jumbo IRA (Traditional, Roth, CESA)9 Reviews
Bethpage FCU3 Month IRA (Traditional, Roth)8 Reviews
TIAA Bank3 Month Yield Pledge IRA (Traditional, Roth)17 Reviews
Bellco Credit Union3 Month IRA (Traditional, Roth, CESA)13 Reviews
Michigan State University FCU3 Month IRA (Traditional, Roth, CESA, SEP)8 Reviews
People's Trust FCU3 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
Signature FCU3 Month IRA Certificate (Traditional, Roth, CESA)6 Reviews
Digital FCU (DCU)3 - 5 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)36 Reviews
Matadors Community Credit Union3 Month IRA (Traditional, Roth)1 Review
Technology Credit Union3 - 5 Month IRA (Traditional, Roth)9 Reviews
United States Senate FCU3-5 Month IRA (Traditional, Roth, SEP)9 Reviews
MTC FCU3 Month Share Plus IRA (Traditional, Roth)
Premier America Credit Union3 Month IRA (Traditional, Roth)12 Reviews
Wings Financial Credit Union3 Month Dividend Paid at Maturity IRA (Traditional, Roth, CESA)35 Reviews
American Heritage FCU4 Month IRA Certificate (Traditional, CESA, Roth)3 Reviews
Kinecta FCU3 Month IRA (Traditional, Roth)6 Reviews
Market USA FCU3 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
Georgia Banking Company90 Day IRA Certificate (Traditional, Roth)9 Reviews
Premier Members Credit Union3 Months IRA (Traditional, Roth)2 Reviews
Sun East FCU3 Month IRA (Traditional, Roth)6 Reviews
TruStone Financial Credit Union3 Month IRA (Traditional, Roth)7 Reviews
Synchrony Bank3 Month IRA CD (Traditional, Roth)311 Reviews
Service Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
Ally BankIRA High Yield 3-Month CD (Traditional, Roth, SEP)690 Reviews
Superior Choice Credit Union3 Month IRA (Traditional, Roth)9 Reviews
nbkc bank3 Month IRA CD (Traditional, Roth)1 Review
INOVA FCU91 Day IRA (Traditional, Roth, CESA)32 Reviews
Allegacy FCU3 Month IRA (Traditional, Roth, CESA)11 Reviews
Northwest FCU3 Month IRA Certificate (Traditional, Roth, CESA, SEP)17 Reviews
Greenwood Credit Union3 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
Consumers Credit Union (IL)91 Day IRA (Traditional, Roth, CESA, SEP)88 Reviews
Tampa Bay FCU3 - 5 Month IRA Certificate (Traditional, Roth, CESA)6 Reviews
Princeton FCU3 Month IRA
Affinity FCU3 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
Principal Bank3 Month IRA (Traditional, Roth)
Summit Credit Union (WI)3 Month IRA (Traditional, Roth, CESA)5 Reviews
Garden Savings FCU4 Month IRA Share Certificate (Traditional, Roth, CESA)3 Reviews
Discover Bank3 Month IRA (Traditional, Roth)208 Reviews

Displaying 1-40 of 65 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 [email protected] 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.