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3 Year IRA Rates

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

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146 Results

Nationwide Only
Greenwood Credit Union30 Month IRA Certificate (Traditional, Roth, CESA, SEP)10 Reviews
3.25%
$1k-$2,087
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)2 Reviews
3.10%
$500-$2,398
Garden Savings FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)
3.04%
$500-$2,350
McGraw Hill FCU39 Month IRA Promo (New Money) (Traditional, Roth, CESA)
3.00%
$1k$1m$2,527
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
3.00%
$2k-$2,325
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)8 Reviews
3.00%
$2k-$2,325
Quorum FCU30 Month IRA Term Savings (Traditional, Roth)8 Reviews
3.00%
$1k-$1,923
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
2.87%
$250-$2,221
Mountain America Credit Union3 Year IRA (Traditional, Roth)24 Reviews
2.85%
$500-$2,199
TIAA Bank3 Year Yield Pledge IRA (Traditional, Roth)10 Reviews
2.85%
$5k-$2,199
2.83%
--$2,189
Utah First FCU36 Month IRA (Traditional, Roth, CESA)2 Reviews
2.75%
$500-$2,126
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)30 Reviews
2.75%
$5k-$2,126
Service Credit Union3 Year IRA Certificate (Traditional, Roth, CESA)19 Reviews
2.75%
$1k-$2,120
UNIFY Financial Credit Union36 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.73%*
$1k-$2,110
Capital One36 Month 360 IRA (Traditional, Roth)389 Reviews
2.70%
--$2,086
Synchrony Bank36 Month IRA CD (Traditional, Roth)295 Reviews
2.70%
$2k-$2,086
University FCU36 Month Fixed IRA (Traditional, Roth)12 Reviews
2.65%
$1k-$2,046
Alliant Credit Union36 - 47 Month Jumbo Roth IRA45 Reviews
2.65%
$25k-$2,023
2.60%*
$500-$2,007
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.60%
$1k-$2,007
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.60%
$1k-$2,007
2.60%
$1k-$2,001
AFFCU3 Year IRA
2.60%*
$1k-$2,001
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)3 Reviews
2.60%
$1k-$2,001
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)669 Reviews
2.60%*
$25k-$2,001
State Department FCU36 Month IRA Certificate (Traditional, Roth)6 Reviews
2.57%
$500-$1,983
Bethpage FCU36 Month IRA (Traditional, Roth)8 Reviews
2.55%
$50-$1,967
Bellco Credit Union36 Month IRA (Traditional, Roth, CESA)12 Reviews
2.55%
$500-$1,967
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.55%
$500-$1,962
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)5 Reviews
2.55%*
$20k$100k$1,945
RTN FCU35 Month IRA Special (Traditional, Roth, SEP)
2.55%
$1k-$1,910
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)
2.52%*
$500-$1,944
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
2.50%*
$500-$1,928
Sun East FCU36 Month IRA (Traditional, Roth)
2.50%
$500-$1,928
2.50%
$1k-$1,922
Michigan State University FCU3 Year IRA (Traditional, Roth, CESA, SEP)7 Reviews
2.50%
$500-$1,906
Chartway FCU24-35 Month IRA (Traditional, Roth)27 Reviews
2.50%*
$500-$1,871
Northpointe Bank35 Month IRA Special29 Reviews
2.50%
$500-$1,871
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)175 Reviews
2.40%*
--$1,849

Displaying 1-40 of 146 Results


3-Year IRA CD

3-Year IRA CDs are time deposits made by investors to a financial institution that have certain restrictions that govern their use. The federal government guarantees deposits up to $250,000 per individual, per FDIC or NCUA-insured institution. Investing in 3 Year CDs is a secure way to grow savings at a higher rate of interest than typical savings accounts.

What is an IRA CD?

An IRA CD is a retirement account that uses a fixed-time investment instrument to increase earnings. The IRA component means tax liabilities (and advantages!), and the CD is the underlying investment that grows the account at a fixed rate. One advantage of the IRA CD, as opposed to the standard IRA Savings account, is that banks and credit unions will usually not charge a monthly management fee. A brokered CD also charges a fee, so be sure to read the fine print if you go that route.

Moving IRA CD Proceeds

As long as you move your IRA CD proceeds to another IRA vehicle after the CD’s maturity, you can continue to defer taxes on earnings. The 3-Year IRA CD is on the longer side of available investments, so you should evaluate if and when you will need the funds so as to avoid incurring early withdrawal penalties. The Traditional IRA CD allows you to write off yearly contributions from your income, and the Roth IRA CD allows you to freely withdraw any of your contributions for any reason, as they are post-tax dollars.




* 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.