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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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

67 Results

Nationwide Only
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Advancial3 Month Junior Jumbo IRA (Traditional, Roth, CESA)7 Reviews
2.61%
$25k$50k$161
TIAA Bank3 Month Yield Pledge IRA (Traditional, Roth)12 Reviews
1.90%
$5k-$118
Bethpage FCU3 Month IRA (Traditional, Roth)8 Reviews
1.75%
$50-$108
Bellco Credit Union3 Month IRA (Traditional, Roth, CESA)13 Reviews
1.60%
$500-$99.13
Signature FCU3 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.35%
$500-$83.72
Digital FCU (DCU)3 - 5 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)28 Reviews
1.31%
$500-$60.69
Michigan State University FCU3 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
1.30%
$500-$60.23
Georgia Banking Company90 Day IRA Certificate (Traditional, Roth)1 Review
1.25%
$500-$76.69
Technology Credit Union3 - 5 Month IRA (Traditional, Roth)9 Reviews
1.25%
$1k-$57.93
People's Trust FCU3 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
1.23%*
$25k-$76.31
MTC FCU3 Month Share Plus IRA (Traditional, Roth)
1.21%
$10k-$75.08
Matadors Community Credit Union3 Month IRA (Traditional, Roth)1 Review
1.15%
$10k-$71.37
United States Senate FCU3-5 Month IRA (Traditional, Roth, SEP)6 Reviews
1.11%*
$20k-$51.47
Wings Financial Credit Union3 Month Dividend Paid Quarterly IRA (Traditional, Roth, CESA)35 Reviews
1.05%*
$10k-$65.19
1.00%
$2k-$62.10
Kinecta FCU3 Month IRA (Traditional, Roth)6 Reviews
1.00%*
$1k-$62.10
Market USA FCU3 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
1.00%
$500-$62.10
SCE FCU91 Day IRA (Traditional, Roth, CESA)1 Review
1.00%
$1k-$62.10
Premier Members Credit Union3 Months IRA (Traditional, Roth)2 Reviews
0.95%
$500$100k$59.00
American Heritage FCU4 Month IRA Certificate (Traditional, CESA, Roth)3 Reviews
0.90%
$1k-$74.98
Premier America Credit Union3 Month IRA (Traditional, Roth)8 Reviews
0.90%*
$25k-$55.91
Sun East FCU3 Month IRA (Traditional, Roth)5 Reviews
0.75%
$500-$46.62
TruStone Financial Credit Union3 Month IRA (Traditional, Roth)7 Reviews
0.75%
--$46.62
Synchrony Bank3 Month IRA CD (Traditional, Roth)298 Reviews
0.75%
$2k-$46.62
Service Credit Union3 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
0.75%
$1k-$46.62
Ally BankIRA High Yield 3-Month CD (Traditional, Roth, SEP)675 Reviews
0.75%*
--$46.62
Superior Choice Credit Union3 Month IRA (Traditional, Roth)9 Reviews
0.70%*
$25k-$43.52
nbkc bank3 Month IRA CD (Traditional, Roth)
0.65%
$1k-$40.42
Flagstar Bank90 - 179 Day IRA (Traditional, Roth, CESA)63 Reviews
0.65%
$500-$30.19
Allegacy FCU3 Month IRA (Traditional, Roth, CESA)11 Reviews
0.55%*
$10k-$34.21
Northwest FCU3 Month IRA Certificate (Traditional, Roth, CESA, SEP)17 Reviews
0.55%*
$1k-$34.21
Greenwood Credit Union3 Month IRA Certificate (Traditional, Roth, CESA, SEP)13 Reviews
0.50%
$1k-$31.11
Consumers Credit Union (IL)91 Day IRA (Traditional, Roth, CESA, SEP)85 Reviews
0.50%
$250$100k$31.11
Tampa Bay FCU3 - 5 Month IRA Certificate (Traditional, Roth, CESA)6 Reviews
0.50%*
$500-$23.24
Country Bank for Savings3 Month IRA (Traditional, Roth, SEP)1 Review
0.45%*
$25k-$28.00
Princeton FCU3 Month IRA
0.45%
$1k-$28.00
Affinity FCU3 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
0.45%
$500-$28.00
Principal Bank3 Month IRA (Traditional, Roth)
0.40%*
$2.5k-$24.89
Summit Credit Union (WI)3 Month IRA (Traditional, Roth, CESA)5 Reviews
0.40%
$500-$24.89

Displaying 1-40 of 67 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.