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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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Deposit Amount
$1 $100,000

105 Results


Nationwide Only
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth, CESA)17 Reviews
1.66%
$4k-$1,266
Velocity Credit Union33 Month Step-Up IRA Certificate Promo (Traditional, Roth)3 Reviews
1.61%
$1k-$1,125
First Technology FCU36 Month IRA (Traditional, Roth, CESA)16 Reviews
1.60%
$500-$1,223
1.60%
$2k-$1,223
1.60%
$500-$1,219
Self-Help Credit Union36 Months IRA (Traditional, Roth, CESA)5 Reviews
1.56%
$500-$1,192
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)294 Reviews
1.55%*
$25k-$1,181
Alliant Credit Union36 - 47 Month Jumbo Roth IRA30 Reviews
1.55%
$25k-$1,171
Mid-Illini Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)1 Review
1.51%
$500-$1,153
MutualOne Bank30 Month IRA (Traditional, Roth)
1.51%
$500-$957
Mountain America Credit Union36 Month IRA (Traditional, Roth)10 Reviews
1.50%
$500-$1,145
Synchrony Bank36 Month IRA CD (Traditional, Roth)88 Reviews
1.50%*
$2k-$1,145
Discover Bank3 Year IRA (Traditional, Roth)80 Reviews
1.50%
$2,500-$1,142
Air Force FCU3 Year IRA (Traditional, Roth, CESA)
1.50%*
$1k-$1,142
First Internet Bank of IN36 Month IRA (Traditional, Roth, CESA)5 Reviews
1.46%
--$1,114
Chartway FCU36-47 Month IRA (Traditional, Roth, CESA)18 Reviews
1.46%*
$25k-$1,102
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)
1.45%
$1k-$1,106
1.41%
$1k-$1,075
Garden Savings FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)
1.41%
$500-$1,072
Triumph Savings Bank36 Month IRA (Traditional, Roth)1 Review
1.40%
$1k-$1,068
Northern Bank & Trust Company36 Month IRA (Traditional, Roth, CESA, SEP)
1.40%
$500-$1,068
5Star Bank3 Year IRA (Traditional, Roth)1 Review
1.40%
$1k-$1,065
1.40%
$2k-$1,065
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)47 Reviews
1.36%*
--$1,037
RiverLand FCU36 Month IRA Certificate (Traditional, Roth, CESA)1 Review
1.35%
$1k-$1,029
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)7 Reviews
1.35%
$2k-$1,029
Kinecta FCU3 Year IRA (Traditional, Roth)3 Reviews
1.35%
$1k$100k$1,026
CIT Bank3 Year Term IRA CD (Traditional, Roth)90 Reviews
1.35%
$1k-$1,026
Andrews FCU36 Month IRA Certificate (Traditional, Roth, CESA)15 Reviews
1.31%
$1k-$998
First Flight FCU36 Month IRA Certificate
1.31%*
$10k-$998
Northwest FCU3 Year IRA Certificate (Traditional, Roth, CESA, SEP)12 Reviews
1.31%*
$1k-$995
State Farm Bank36 Month IRA (Traditional, Roth)25 Reviews
1.30%*
--$990
1.30%*
$1k-$990
1.30%
$500-$990
OneWest Bank N.A. (Pasadena, CA)3 Year IRA (Traditional, Roth, SEP)18 Reviews
1.30%
$1k-$988
Northpointe Bank36 - 47 Month Fixed IRA7 Reviews
1.30%
$5k-$979
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)1 Review
1.29%
$2k-$980
Xceed Financial FCU36 Month Variable IRA (Traditional, Roth, CESA)12 Reviews
1.28%
$10k-$975
1.23%
$1k-$934
Xcel FCU36 Month IRA (Traditional, Roth, CESA)5 Reviews
1.20%
$5k-$913

Displaying 1-40 of 105 Results


3 Year IRA Rate Trend

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 rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 data or to request rates or promotions be included in this chart. We are not affiliated with the financial instututions listed here.

* The APY 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.