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.

Location
Deposit Amount
Filters
Institution
APY
Service Charge
Min. to Earn
Min. Deposit
Global Credit Union (AK)
NCUA Insured
24 - 35 Month Tax-Deferred IRA
4.8 Our Rating
5.00%
$500
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24 - 35 Month Tax-Deferred IRA
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4.8 Our Rating NCUA Insured
APY
5.00%
Service Charge
Minimum to Earn $500
Minimum Deposit
Metro Credit Union
NCUA Insured
36 Month IRA
5.0 Our Rating
4.45%
$0
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36 Month IRA
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5.0 Our Rating NCUA Insured
APY
4.45%
Service Charge
Minimum to Earn $0
Minimum Deposit
Credit Union of Atlanta
NCUA Insured
30 Months IRA Certificate
4.8 Our Rating
4.40%
$500
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30 Months IRA Certificate
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4.8 Our Rating NCUA Insured
APY
4.40%
Service Charge
Minimum to Earn $500
Minimum Deposit
Tulare County Federal Credit Union
NCUA Insured
36 Month IRA
4.1 Our Rating
4.34%
$1k
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4.1 Our Rating NCUA Insured
APY
4.34%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Harris County Federal Credit Union
NCUA Insured
3 Year IRA Payroll Deduction CD
5.0 Our Rating
4.33%
$35
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3 Year IRA Payroll Deduction CD
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5.0 Our Rating NCUA Insured
APY
4.33%
Service Charge
Minimum to Earn $35
Minimum Deposit
Lafayette Federal Credit Union
NCUA Insured
3 Year Fixed IRA
4.8 Our Rating
4.28%
$500
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View
4.8 Our Rating NCUA Insured
APY
4.28%
Service Charge
Minimum to Earn $500
Minimum Deposit
Knoxville TVA Employees Credit Union
NCUA Insured
36 Month IRA
4.8 Our Rating
4.25%
$500
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4.8 Our Rating NCUA Insured
APY
4.25%
Service Charge
Minimum to Earn $500
Minimum Deposit
Rivertrust Federal Credit Union
NCUA Insured
30 Month IRA
4.1 Our Rating
4.22%
$1k
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4.1 Our Rating NCUA Insured
APY
4.22%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Alabama ONE
NCUA Insured
36 Month IRA
5.0 Our Rating
4.20%
$250
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36 Month IRA
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5.0 Our Rating NCUA Insured
APY
4.20%
Service Charge
Minimum to Earn $250
Minimum Deposit
One World Bank
Member FDIC
36 Month Independent Retirement Account
4.1 Our Rating
4.20%
$1k
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36 Month Independent Retirement Account
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4.1 Our Rating Member FDIC
APY
4.20%
Service Charge
Minimum to Earn $1k
Minimum Deposit
Dillon Credit Union
NCUA Insured
3 Year IRA Share Certificate
4.8 Our Rating
4.16%
$500
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3 Year IRA Share Certificate
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4.8 Our Rating NCUA Insured
APY
4.16%
Service Charge
Minimum to Earn $500
Minimum Deposit
Prime Alliance Bank
Member FDIC
36 Month IRA
4.8 Our Rating
4.15%
$500
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36 Month IRA
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4.8 Our Rating Member FDIC
APY
4.15%
Service Charge
Minimum to Earn $500
Minimum Deposit
Utah Community Credit Union
NCUA Insured
36 Month IRA
4.8 Our Rating
4.15%
$500
View
View
4.8 Our Rating NCUA Insured
APY
4.15%
Service Charge
Minimum to Earn $500
Minimum Deposit
Apple Federal Credit Union
NCUA Insured
35 Month IRA Special
4.8 Our Rating
4.10%
$500
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35 Month IRA Special
View
4.8 Our Rating NCUA Insured
APY
4.10%
Service Charge
Minimum to Earn $500
Minimum Deposit
EFCU Financial
NCUA Insured
30 Month Bump Option IRA
4.8 Our Rating
4.10%
$500
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30 Month Bump Option IRA
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4.8 Our Rating NCUA Insured
APY
4.10%
Service Charge
Minimum to Earn $500
Minimum Deposit
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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.