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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State Department FCU36 Month IRA Certificate (Traditional, Roth)7 Reviews
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)38 Reviews
First National Bank of America36 Month IRA - Non Local (Traditional, Roth)20 Reviews
Georgia Banking Company3 Year IRA Certificate (Traditional, Roth)7 Reviews
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
First Internet Bank36 Month IRA (Traditional, Roth)18 Reviews
Home Savings Bank36 Month Internet Only IRA (Traditional, Roth)
Sun East FCU36 Month IRA (Traditional, Roth)6 Reviews
Utah First FCU36 Month IRA (Traditional, Roth, CESA)4 Reviews
Advancial3 Year Junior Jumbo IRA (Traditional, Roth, CESA)8 Reviews
Bellco Credit Union36 Month IRA (Traditional, Roth, CESA)13 Reviews
Synchrony Bank36 Month IRA CD (Traditional, Roth)309 Reviews
TIAA Bank3 Year Yield Pledge IRA (Traditional, Roth)17 Reviews
Capital One36 Month 360 IRA (Traditional, Roth)403 Reviews
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
Chartway FCU36-47 Month IRA (Traditional, Roth)28 Reviews
Hughes FCU36 Month IRA (Traditional, Roth, SEP)
Third Federal Savings and Loan (OH)37 Month IRA Special (Traditional, Roth, SEP)7 Reviews
INOVA FCU3 Year IRA (Traditional, Roth, CESA)31 Reviews
Affinity Plus FCU36 Month IRA (Traditional, Roth)9 Reviews
Xceed Financial FCU36 Month IRA (Traditional, Roth, CESA)16 Reviews
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
Quorum FCU36 Month IRA Term Savings (Traditional, Roth)9 Reviews
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)4 Reviews
Alliant Credit Union36 - 47 Month Jumbo Roth IRA46 Reviews
Evansville Teachers FCU30 Month IRA (Traditional, Roth, CESA)3 Reviews
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)3 Reviews
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)4 Reviews
Dover FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)8 Reviews
Spectrum Credit Union36 Month IRA (Traditional, Roth, CESA)
RTN FCU35 Month IRA Special (Traditional, Roth, SEP)
State Farm Bank30 Month CESA Special31 Reviews
North American Savings Bank36 - 47 Month IRA (Traditional, Roth, CESA)7 Reviews
Velocity Credit Union3 Year IRA Certificate (Traditional, Roth, SEP)5 Reviews
BECU (Boeing Employees Credit Union)36 Month IRA Certificate w/ Member Advantage (Traditional, Roth, CESA)38 Reviews
Service Credit Union3 Year IRA Certificate (Traditional, Roth, CESA)19 Reviews
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)689 Reviews
A+ FCU36 Month IRA (Traditional, Roth, SEP)4 Reviews

Displaying 1-40 of 144 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.