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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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164 Results

Nationwide Only
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)1 Review
3.10%
$500-$2,398
Communitywide FCU36 Month IRA (Traditional, Roth)3 Reviews
3.00%
$2k-$2,325
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)6 Reviews
3.00%
$2k-$2,325
Quorum FCU30 Month IRA Term Savings (Traditional, Roth)8 Reviews
3.00%
$1k-$1,923
Third Federal Savings and Loan (OH)39 Month IRA Special (Traditional, Roth, SEP)4 Reviews
2.75%
--$2,310
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)30 Reviews
2.75%
$5k-$2,126
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
2.75%
$4k-$2,120
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
2.71%
$250-$2,094
TIAA Bank3 Year Yield Pledge IRA (Traditional, Roth)8 Reviews
2.70%
$5k-$2,080
UNIFY Financial Credit Union36 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.69%*
$1k-$2,078
2.68%
--$2,070
AFFCU3 Year IRA (Traditional, Roth, CESA)
2.60%*
$1k-$2,001
Mountain America Credit Union3 Year IRA (Traditional, Roth)24 Reviews
2.60%
$500-$2,001
Capital One36 Month 360 IRA (Traditional, Roth)387 Reviews
2.55%
--$1,967
Synchrony Bank36 Month IRA CD (Traditional, Roth)291 Reviews
2.55%
$2k-$1,967
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)664 Reviews
2.55%*
$5k-$1,962
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)
2.53%*
$500-$1,951
Utah First FCU36 Month IRA (Traditional, Roth, CESA)2 Reviews
2.50%*
$500-$1,928
2.50%
$1k-$1,922
Discover Bank3 Year IRA (Traditional, Roth)200 Reviews
2.50%
$2.5k-$1,922
Service Credit Union3 Year IRA Certificate (Traditional, Roth, CESA)20 Reviews
2.50%
$1k-$1,922
Alliant Credit Union36 - 47 Month Jumbo CESA43 Reviews
2.50%
$25k-$1,906
Northpointe Bank35 Month IRA Special29 Reviews
2.50%
$500-$1,871
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)174 Reviews
2.40%*
--$1,849
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
2.40%*
$500-$1,849
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.40%
$1k-$1,849
American Heritage FCU36 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.40%
$1k-$1,849
McGraw Hill FCU30 Month Promo IRA (New Money) (Traditional, Roth, CESA)
2.40%
$1k$1m$1,531
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.35%
$500-$1,804
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)5 Reviews
2.35%*
$20k$100k$1,789
People's Trust FCU36 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
2.34%*
$25k-$1,801
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)3 Reviews
2.34%
$1k-$1,796
Freedom Credit Union (PA)36 Month IRA CD (Traditional, CESA, Roth)3 Reviews
2.30%
$500-$1,770
INOVA FCU30 Month IRA (Traditional, CESA, Roth)29 Reviews
2.30%
$200-$1,467
State Farm Bank30 Month CESA Special31 Reviews
2.30%*
$500-$1,467
ConnectOne Bank36 Month Personal IRA4 Reviews
2.28%
$500-$1,754
State Department FCU36 Month IRA Certificate (Traditional, Roth)6 Reviews
2.27%
$500-$1,746
2.25%*
$25k-$1,731
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)10 Reviews
2.25%
$1k-$1,731
2.25%
$1k-$1,726

Displaying 1-40 of 164 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.