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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:

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Hughes FCU36 Month IRA (Traditional, Roth, SEP)
3.10%
$1k-$2,398
State Department FCU36 Month IRA Certificate (Traditional, Roth)7 Reviews
3.03%
$500-$2,342
Georgia Banking Company3 Year IRA Certificate (Traditional, Roth)9 Reviews
2.85%
$500-$2,199
Bellco Credit Union36 Month IRA (Traditional, Roth, CESA)13 Reviews
2.85%
$500-$2,199
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)43 Reviews
2.85%
$5k-$2,199
GTE Financial36 Month Add-On IRA Special (Traditional, Roth, CESA, SEP)38 Reviews
2.84%
$500-$2,191
Affinity Plus FCU36 Month IRA (Traditional, Roth)12 Reviews
2.75%
$500-$2,120
First National Bank of America36 Month IRA (Non-Local) (Traditional, Roth)25 Reviews
2.75%
$1k-$2,120
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
2.75%
$1k-$2,120
INOVA FCU30 Month IRA (Traditional, Roth, CESA)33 Reviews
2.75%
$200-$1,759
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
2.73%
$500-$2,104
First Internet Bank36 Month IRA (Traditional, Roth)18 Reviews
2.71%
$1k-$2,088
Evansville Teachers FCU30 Month IRA (Traditional, Roth, CESA)3 Reviews
2.71%
$1k-$1,733
Dover FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)8 Reviews
2.70%*
$25k-$2,080
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
2.70%
$2k-$2,080
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
2.65%
$1k-$2,041
Self-Help Credit Union36 Month IRA (Traditional, Roth)9 Reviews
2.63%
$500-$2,025
Self-Help FCU36 Month IRA (Traditional, Roth)2 Reviews
2.63%
$100-$2,025
United States Senate FCU36-47 Month IRA (Traditional, Roth, SEP)9 Reviews
2.63%*
$20k-$2,008
Financial Resources FCU35 Month Bump-Up IRA Special (Traditional, Roth, CESA)2 Reviews
2.63%
$500-$1,971
TIAA Bank3 Year Yield Pledge IRA (Traditional, Roth)18 Reviews
2.60%
$5k-$2,001
Utah First FCU36 Month IRA (Traditional, Roth, CESA)4 Reviews
2.60%
$500-$2,001
Synchrony Bank36 Month IRA CD (Traditional, Roth)314 Reviews
2.60%
$2k-$2,001
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)694 Reviews
2.60%*
$25k-$2,001
Alliant Credit Union36 - 47 Month Jumbo Roth IRA46 Reviews
2.60%
$25k-$1,984
Chartway FCU36-47 Month IRA (Traditional, Roth)27 Reviews
2.60%
$500-$1,984
Veridian Credit Union41 Month Bump Up IRA Special (Traditional, Roth, CESA)21 Reviews
2.55%
$1k$100k$2,252
Bethpage FCU36 Month IRA (Traditional, Roth)8 Reviews
2.55%
$50-$1,962
Technology Credit Union36 - 47 Month IRA (Traditional, Roth)9 Reviews
2.55%
$1k-$1,945
Garden Savings FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)3 Reviews
2.53%
$500-$1,946
North American Savings Bank36 - 47 Month IRA (Traditional, Roth, CESA)7 Reviews
2.53%
$1k-$1,929
America's Credit Union 33 Month IRA (Traditional, Roth, CESA)20 Reviews
2.53%*
$1k-$1,782
Velocity Credit Union3 Year IRA Certificate (Traditional, Roth, SEP)5 Reviews
2.52%
$1k-$1,938
Primary Bank3 Year IRA
2.50%
--$1,922
2.50%
$500-$1,922
Home Savings Bank36 Month Internet Only IRA (Traditional, Roth)
2.50%
$5k$250k$1,922
Premier America Credit Union36 Month IRA (Traditional, Roth)12 Reviews
2.50%*
$25k-$1,922
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
2.50%*
$500-$1,922
Credit Union Of The Rockies36 Month Promotional CD (Traditional, Roth)
2.50%
$1k-$1,922

Displaying 1-40 of 143 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.