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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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159 Results

Nationwide Only
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)
2.85%
$500-$2,199
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)28 Reviews
2.75%
$5k-$2,126
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
2.72%
$250-$2,102
EverBank3 Year Yield Pledge IRA (Traditional, Roth)71 Reviews
2.70%
$5k-$2,080
Air Force FCU3 Year IRA (Traditional, Roth, CESA)
2.60%*
$1k-$2,001
First Internet Bank36 Month IRA (Traditional, Roth)15 Reviews
2.58%
$1k-$1,991
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
2.56%
$4k-$1,970
Communitywide FCU36 Month IRA (Traditional, Roth)5 Reviews
2.55%
$2k-$1,967
Synchrony Bank36 Month IRA CD (Traditional, Roth)285 Reviews
2.55%
$2k-$1,967
Third Federal Savings and Loan (OH)39 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.50%
--$2,094
Partner Colorado Credit Union36 Month IRA Special (Traditional, Roth, CESA, SEP)2 Reviews
2.50%
$5k-$1,928
Service Credit Union3 Year IRA Certificate (Traditional, Roth, CESA)20 Reviews
2.50%
$1k-$1,922
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)659 Reviews
2.50%*
$25k-$1,922
Northpointe Bank35 Month IRA Special23 Reviews
2.50%
$500-$1,871
UNIFY Financial Credit Union36 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
2.45%*
$1k-$1,888
Capital One36 Month 360 IRA (Traditional, Roth)381 Reviews
2.40%
--$1,849
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)173 Reviews
2.40%*
--$1,849
McGraw Hill FCU30 Month Promo IRA (New Money) (Traditional, Roth, CESA)
2.40%
$1k$1m$1,531
2.38%
$1k-$1,828
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)
2.37%*
$500-$1,825
American Heritage FCU36 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.31%
$1k-$1,778
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.30%
$1k-$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
Freedom Credit Union (PA)36 Month IRA CD (Traditional, CESA, Roth)3 Reviews
2.25%
$500-$1,731
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)9 Reviews
2.25%
$1k-$1,731
2.25%
$1k-$1,726
Alliant Credit Union36 - 47 Month Jumbo CESA43 Reviews
2.25%
$25k-$1,711
Bethpage FCU36 Month IRA (Traditional, Roth)8 Reviews
2.20%
$50-$1,691
Chevron FCU36 Month IRA (Traditional, Roth)5 Reviews
2.20%*
$500-$1,691
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
2.20%*
$500-$1,691
Bellco Credit Union36 Months IRA (Traditional, Roth, CESA)12 Reviews
2.15%
$500-$1,652
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)3 Reviews
2.15%
$1k-$1,647
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)5 Reviews
2.15%
$500-$1,647
People's Trust FCU36 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
2.14%*
$25k-$1,644
Market USA FCU36 Month IRA (Traditional, Roth, CESA)2 Reviews
2.10%
$500-$1,613
Utah First FCU36 Month IRA (Traditional, Roth, CESA)2 Reviews
2.10%*
$500-$1,613
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.10%
$1k-$1,613
Michigan State University FCU3 Year IRA (Traditional, Roth, CESA, SEP)7 Reviews
2.10%
$500-$1,595

Displaying 1-40 of 159 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.