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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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154 Results

Nationwide Only
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)
2.10%
$500-$1,608
Service Credit Union30 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
2.05%
$1k-$1,305
GTE Financial36 Month IRA Certificate (Traditional, CESA, Roth, SEP)13 Reviews
2.02%
$500-$1,550
EverBank3 Year Yield Pledge IRA (Traditional, Roth)27 Reviews
2.01%
$5k-$1,538
Third Federal Savings and Loan (OH)37 Month IRA Special (Traditional, Roth, SEP)2 Reviews
2.00%
$100-$1,578
Bethpage FCU36 Month IRA (Traditional, Roth)6 Reviews
2.00%
$50-$1,535
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)7 Reviews
2.00%
$2k-$1,535
INOVA FCU30 Month IRA (Traditional, CESA, Roth)28 Reviews
2.00%
$200-$1,272
Air Force FCU3 Year IRA (Traditional, Roth, CESA)
1.95%*
$1k-$1,491
First Internet Bank of IN36 Month IRA (Traditional, Roth, CESA)9 Reviews
1.94%
$1k-$1,488
1.90%
$2k-$1,456
Hughes FCU36 Month IRA (Traditional, Roth, SEP)
1.87%
$1k$50k$1,433
RTN FCU37 Month IRA Special (Traditional, Roth, CESA, SEP)
1.85%*
$1k-$1,457
Synchrony Bank36 Month IRA CD (Traditional, Roth)195 Reviews
1.85%*
$25k-$1,417
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)3 Reviews
1.85%
$1k-$1,417
Self-Help Credit Union36 Month IRA (Traditional, Roth)8 Reviews
1.82%
$500-$1,394
Self-Help FCU36 Month IRA (Traditional, Roth)2 Reviews
1.82%
$100-$1,394
Mountain America Credit Union3 Year IRA (Traditional, Roth)19 Reviews
1.80%
$500-$1,374
Grow Financial FCU36 - 47 Month IRA Certificate13 Reviews
1.80%
$500-$1,363
Xceed Financial FCU36 Month Variable IRA (Traditional, Roth, CESA)15 Reviews
1.79%
$10k-$1,371
Velocity Credit Union36 Month IRA Certificate Promotion3 Reviews
1.76%
$1k-$1,347
Langley FCU36 Month IRA Special1 Review
1.76%
$500-$1,347
Discover Bank3 Year IRA (Traditional, Roth)129 Reviews
1.76%
$2,500-$1,343
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
1.76%
$4k-$1,343
Apple FCU36 Month IRA (Traditional, Roth, CESA)20 Reviews
1.75%
$500-$1,339
Utah First FCU36 Month IRA (Traditional, Roth, CESA)
1.75%
$500-$1,339
State Department FCU36 Month IRA Certificate (Traditional, Roth)6 Reviews
1.75%
$500-$1,339
Bellco Credit Union36 Months IRA (Traditional, Roth, CESA)11 Reviews
1.75%
$500-$1,339
Northpointe Bank36 - 47 Month Fixed IRA15 Reviews
1.75%
$500-$1,324
Elements Financial34 Month Rate Climber IRA (Traditional, Roth, CESA)1 Review
1.75%
$1k-$1,263
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)4 Reviews
1.73%*
$20k$100k$1,309
1.71%
$1k-$1,305
Northwest FCU3 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
1.71%*
$1k-$1,305
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)111 Reviews
1.70%*
--$1,300
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.70%
$1k-$1,300
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)2 Reviews
1.70%
$1k-$1,297
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
1.67%
$250-$1,277
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)2 Reviews
1.66%
$2k-$1,266
Chartway FCU36-47 Month IRA (Traditional, Roth, CESA)23 Reviews
1.66%*
$25k-$1,255
Credit Union of America36 Month IRA Certificate (Traditional, CESA, Roth)1 Review
1.65%
$500-$1,262

Displaying 1-40 of 154 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 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.