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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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60 Results

Nationwide Only
Ally BankIRA High Yield 3-Month CD (Traditional, Roth, SEP)606 Reviews
Bethpage FCU3 Month IRA (Traditional, Roth)6 Reviews
EverBank3 Month Yield Pledge IRA (Traditional, Roth)60 Reviews
Northpointe Bank92-182 Day Fixed IRA21 Reviews
SCE FCU91 Day IRA (Traditional, Roth, CESA)1 Review
Signature FCU3 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
Xcel FCU3 Month IRA (Traditional, Roth, CESA)8 Reviews
Northwest FCU3 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
MutualOne Bank28 Day IRA (Traditional, Roth)1 Review
Matadors Community Credit Union3 Month IRA (Traditional, Roth)1 Review
Michigan State University FCU3 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
United States Senate FCU3-6 Month IRA (Traditional, Roth, SEP)4 Reviews
Wings Financial Credit Union3 Month Dividend Paid at Maturity IRA Certificate (Traditional, Roth, CESA)33 Reviews
People's Trust FCU3 Month IRA (Traditional, Roth, CESA, SEP)1 Review
Princeton FCU3 Month IRA
Superior Choice Credit Union3 Month IRA (Traditional, Roth)9 Reviews
TruStone Financial Credit Union3 Month IRA (Traditional, Roth)7 Reviews
Country Bank for SavingsIRA - 3 Month (Traditional, Roth)1 Review
Amalgamated Bank3 Month Fixed-Rate IRA (Traditional, Roth)2 Reviews
Premier America Credit Union3 Month IRA (Traditional, Roth, CESA)6 Reviews
American Heritage FCU3 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
Garden Savings FCU4 Month IRA Share Certificate (Traditional, Roth, CESA)
Discover Bank3 Month IRA (Traditional, Roth)171 Reviews
Kinecta FCU3 Month IRA (Traditional, Roth)3 Reviews
OneWest Bank N.A. (Pasadena, CA)3 Month IRA (Traditional, Roth)15 Reviews
RTN FCU3 Month IRA (Traditional, Roth, CESA, SEP)
Tampa Bay FCU3 - 5 Month IRA Certficate (Traditional, Roth, CESA)5 Reviews
Nationwide Bank3 Month IRA (Traditional, Roth, CESA, SEP)153 Reviews
Synchrony Bank3 Month IRA CD (Traditional, Roth)244 Reviews
Quorum FCU3 Month IRA Term Savings (Traditional, Roth)8 Reviews
Bay State Savings Bank3 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
DFCU Financial3 Month IRA Certificate (Traditional, Roth)8 Reviews
Service Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
INOVA FCU91 Day IRA (Traditional, Roth, CESA)28 Reviews
OneUnited BankUNITY 90 Day IRA CD3 Reviews
Principal Bank3 Month IRA (Traditional, Roth)
Bellco Credit Union3 Months IRA (Traditional, Roth, CESA)11 Reviews
American Bank90 Day IRA (Traditional, Roth, CESA)3 Reviews
Bank of Blue Valley90 - 181 Days IRA (Traditional, Roth, CESA, SEP)4 Reviews

Displaying 1-40 of 60 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 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 institutions 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.