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

Nationwide Only
State Department FCU36 Month IRA Certificate (Traditional, Roth)7 Reviews
3.14%
$500-$2,437
Veridian Credit Union41 Month Bump Up IRA Special (Traditional, Roth, CESA)21 Reviews
3.05%
$1k$100k$2,709
First Internet Bank36 Month IRA (Traditional, Roth)18 Reviews
3.03%
$1k-$2,349
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
3.00%
$2k-$2,325
Sun East FCU36 Month IRA (Traditional, Roth)6 Reviews
3.00%
$500-$2,325
Utah First FCU36 Month IRA (Traditional, Roth, CESA)3 Reviews
3.00%
$500-$2,325
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)37 Reviews
3.00%
$5k-$2,325
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)9 Reviews
3.00%
$2k-$2,325
Georgia Banking Company3 Year IRA Certificate (Traditional, Roth)4 Reviews
3.00%
$500-$2,318
Hiway FCU30 Month IRA (Traditional, Roth, CESA)2 Reviews
3.00%
$500-$1,923
Greenwood Credit Union30 Month IRA Certificate (Traditional, Roth, CESA, SEP)15 Reviews
3.00%
$1k-$1,923
Synchrony Bank36 Month IRA CD (Traditional, Roth)301 Reviews
2.90%
$2k-$2,245
Mountain America Credit Union3 Year IRA (Traditional, Roth)27 Reviews
2.90%
$500-$2,239
State Farm Bank30 Month CESA Special31 Reviews
2.90%*
$500-$1,857
Third Federal Savings and Loan (OH)37 Month IRA Special (Traditional, Roth, SEP)7 Reviews
2.85%
$100-$2,268
Capital One36 Month 360 IRA (Traditional, Roth)398 Reviews
2.85%
--$2,205
Bellco Credit Union36 Month IRA (Traditional, Roth, CESA)13 Reviews
2.85%
$500-$2,205
Service Credit Union3 Year IRA Certificate (Traditional, Roth, CESA)19 Reviews
2.85%
$1k-$2,199
Elements Financial34 Month IRA Special (Traditional, Roth, CESA)4 Reviews
2.85%
$1k-$2,078
TIAA Bank3 Year Yield Pledge IRA (Traditional, Roth)17 Reviews
2.83%
$5k-$2,183
Velocity Credit Union30 Month IRA Certificate Promotion (Traditional, Roth)5 Reviews
2.83%
$1k-$1,812
People's Trust FCU36 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
2.81%*
$25k-$2,173
Home Savings Bank36 Month Internet Only IRA (Traditional, Roth)
2.80%
$5k$250k$2,166
Chartway FCU36-47 Month IRA (Traditional, Roth)28 Reviews
2.80%
$500-$2,141
Hughes FCU36 Month IRA (Traditional, Roth, SEP)
2.79%
$1k-$2,158
North American Savings Bank36 - 47 Month IRA (Traditional, Roth, CESA)6 Reviews
2.79%
$1k-$2,133
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)4 Reviews
2.78%
$500-$2,144
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)3 Reviews
2.78%
$2k-$2,144
Advancial3 Year Junior Jumbo IRA (Traditional, Roth, CESA)8 Reviews
2.77%
$25k$50k$2,136
Xceed Financial FCU36 Month IRA (Traditional, Roth, CESA)16 Reviews
2.75%
$500-$2,126
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)4 Reviews
2.75%
$1k-$2,126
Discover Bank3 Year IRA (Traditional, Roth)205 Reviews
2.75%
$2.5k-$2,120
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)3 Reviews
2.75%
$1k-$2,120
INOVA FCU3 Year IRA (Traditional, Roth, CESA)31 Reviews
2.75%
$200-$2,120
2.75%
$1k-$2,120
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)686 Reviews
2.75%*
$25k-$2,120
University FCU36 Month Fixed IRA (Traditional, Roth)12 Reviews
2.70%
$1k$100k$2,086
2.70%*
$25k-$2,086
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
2.70%*
$500-$2,086
2.70%
$1k-$2,080

Displaying 1-40 of 145 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 [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.